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Is there a budgeting app that does not need my bank login?

Yes. The Wealth module of SafePersonalAI never connects to your bank. You give it the statement file your bank already offers — CSV, Excel, PDF, MT940, CAMT, OFX or QIF — and it reads the file on your Mac. You then see your spending by category, a forecast of the next one to three months, and your budgets.

Why many budgeting apps ask for your bank login

Many budgeting apps fetch your transactions through a connection to your bank. To set it up you sign in to your bank through the app or through a service it uses, and your transactions are then copied to that company's servers.

That is convenient, because new transactions appear by themselves. The price is that another company holds a copy of your account history and a standing connection to your bank.

How Wealth works instead

  • You download a statement from your bank as you would for your own records, and choose the file in the app.
  • It works out the columns, dates, signs and currency itself. There are no templates and no column mapping.
  • Before anything is added, you see the transactions it read and the account they belong to. You click Import.
  • A screenshot of your banking app works too. It is read on your Mac with Apple's own text recognition.

What you get from it

  • Spending by category for one month, the last 3, 6 or 12 months, or a whole year.
  • A forecast of the next one to three months from the payments that come back regularly, with a warning when an account is expected to go below zero.
  • A monthly limit per category, with one message at 80% and one at 100%.
  • Subscriptions it found, and charges that look unusual.
  • Investments and loans next to your accounts, in any of 15 currencies.

The trade-off

Your figures are only as current as the last statement you imported. If you want every card payment to appear within seconds, an app with a bank connection does that and Wealth does not.

A scanned, image-only PDF cannot be read; a PDF must contain text. Wealth also cannot pay anything or move money.

Wealth costs €15 one time after the free 90-day beta. It has no subscription.

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Free for 90 days, every module included · notarized by Apple · Apple silicon (M1 or later)

Written by the makers of SafePersonalAI. Last updated 2026-10-07.