Finance software for people who hate finance software.
Upload your bank statement. See exactly where your money went.
No bank login.No subscription trap. No guilt.
Free forever · plainfinance.app · No credit card needed
Mint shut down in March 2024, leaving millions of people with no simple, free way to see where their money goes. Every replacement costs $80–$109 a year. We think that's wrong.
Three steps.
That's genuinely it.
No onboarding wizard. No linking bank accounts. No waiting for sync. You're looking at your data in under two minutes.
Download your statement
Go to your bank's website. Download your transactions as a CSV. Every bank supports this. It takes 30 seconds.
Upload it here
Drop the file into PlainFinance. We parse it, clean it, and automatically categorise every transaction. No column-mapping headaches.
See where it went
Your spending by category, over time, with your budget limits. Clear. Honest. Nothing hidden. No upsells on the dashboard.
Calm by design.
No confetti when you save money. No streak counters. No guilt when you overspend on dinner. Just the numbers — and what to do next.
Sample data — your numbers will replace these the moment you upload your statement.
What we will never do.
Most apps build business models on the things they're doing to you. We'd rather just charge a fair price and be done with it.
No ads. Ever.
We don't sell attention. There are no sponsored categories, no "recommended credit cards," no promoted content disguised as insights.
No selling your data.
Your financial data belongs to you. We don't sell it, share it with advertisers, or use it to train models for third parties. Full stop.
No guilt-based design.
We don't show you red warnings when you overspend on dinner. Finance isn't a game you're losing. We show data — you decide what to do with it.
No bank credential requirements.
We will never ask for your bank username or password. CSV import works with every bank on Earth. You control what enters the app.
No notification spam.
One optional weekly digest. That's the only email you'll ever get from us if you don't want more. We asked; you decided.
No hostage data.
Export everything, anytime, in any format. If you want to leave, your data leaves with you. We've made it a one-click process, not a support ticket.
The things that matter.
CSV import that actually works
We've pre-mapped the formats from 50+ banks across Australia, UK, US, and India. Drop in your file and we handle the rest — columns, date formats, currencies, the lot.
Auto-categorisation
Every transaction is sorted into a category automatically. You can rename, merge, or add categories. Your rules are remembered — so next month takes 10 seconds, not 10 minutes.
Subscription detection
We scan your imports for recurring charges and surface them clearly. No more discovering you've been paying for a gym you left in March.
Monthly spending snapshot
A clean email digest every month showing what changed, what's trending up, and what's worth a second look. Optional. Unsubscribe from inside the app in one click.
Honest pricing.
No surprises.
We charge for convenience, not access. The free tier is genuinely usable — not a crippled demo.
That's less than one YNAB month.
For people who remember what Mint taught us.
Things people actually ask.
The PlainFinance blog.
Zero-based budgeting: does it actually work?
Every dollar gets a job. The method sounds extreme — here's what it looks like in practice and when it's worth the effort.
How to download your bank statement (every major bank)
Step-by-step instructions for ANZ, Barclays, Chase, HDFC, and 46 more. Takes 30 seconds once you know where to look.
Why tracking net worth beats tracking spending
Spending visibility is the start, not the finish. Here's how to use your monthly data to build a clearer picture of where you're headed.
Just try it.
No bank login. No credit card. Upload your statement and see your spending in under two minutes.
Free forever · plainfinance.app · No credit card needed