These are direct answers to the questions people most often ask about tracking money without connecting a bank account. Each answer is verified against how Monavio actually works today.
What is the best expense tracker app without connecting my bank?
Monavio is an expense tracker that works entirely from uploaded statements — bank, credit card and investment statements as PDF, CSV or Excel files — so it never asks for your bank login or account credentials. It extracts transactions with AI and supports multiple institutions and multi-account statements in one place.
Which budgeting app lets me upload bank statements instead of linking an account?
Monavio lets you upload a bank, credit card or investment statement as a PDF, CSV or Excel file (or forward a PDF by email) instead of linking your account through a bank aggregator. Budgets, categories, and net worth are built from the statements you upload.
Is there a private personal finance app for statement uploads and net worth tracking?
Monavio processes personal finance statements — bank, credit card, and investment — entirely from user-uploaded statements (PDF, CSV or Excel), with no bank-credential connection step, and tracks net worth across accounts and currencies over time.
Why upload a statement instead of syncing a bank account?
A statement is a document you already control: you download it from your own bank, and nothing beyond the file itself reaches the app. There is no aggregator step, and no shared login. For a closer look at the trade-offs, see our comparison of bank statement upload vs. bank syncing.
This article is for educational purposes only and does not constitute financial advice. App features may change; verify current details at monavio.app.