Every review of a manual budgeting app eventually says the same thing: why am I typing this in when my bank could send it?
It is a fair question with a real answer.
Automatic import moves the work, it doesn't remove it
A bank feed does not produce a categorised ledger. It produces a list of merchant strings that need reviewing, correcting and splitting. The work becomes reconciliation — a chore with no feedback, done weekly, easy to fall a month behind on.
Typing an amount at the till takes ten seconds and is done. Reviewing 140 imported rows on a Sunday takes forty minutes and is never done.
The ten seconds are the product
There is a well-worn observation in personal finance that the act of recording a purchase is what changes behaviour, not the report you read afterwards. A feed removes exactly the moment that does the work.
If you never feel the $4, the $4 does not change.
And it keeps the privacy story simple
No credentials, no aggregator, no read access to your account. The honest trade is that you type things in — and in exchange the app has nothing worth stealing.
Ready to try it?