Guides

Private, offline budgeting guides

Plain-language guides on keeping your finances private, tracking money across currencies, and budgeting without handing your bank login to anyone.

• PRIVACY

  Why You Shouldn't Give Budget Apps Your Bank Passwords

  What actually happens when a budgeting app links to your bank, the risks that come with it, and how to track spending without sharing credentials at all.

• TRAVEL & MULTI-CURRENCY

  How to Track Expenses in Multiple Currencies Offline

  A step-by-step way to log spending abroad with no internet, keep historical exchange rates accurate, and stop foreign accounts distorting your net worth.

• FROM THE TEAM

  Why We Built an Expense Tracker With No Bank Login and No Required Subscription

  The principles behind Balance: your data on your device, no account to create, and a free version that's genuinely usable.