Fintonic was a popular pick in Spain when bank aggregators were new. If you are looking for the opposite —a calm app where you enter your own data, no banks linked, no financing offers—, this is where Sumant fits.
Summary
Seven expense-tracking apps, what each one costs and whether it forces you to connect your bank. Sumant is ours, so we list it first and also say where it falls short.
Free · PRO Founder €19.99 one-off
Log by hand in seconds or import CSV/XLSX. It never asks for bank credentials. The catch, in our own words: if you want transactions to appear on their own, this is not your app.
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Free, no paid plan
It does not charge for the app: its stated model is brokering financial products across «more than 50 banks and insurers». It needs to connect to your banks to work.
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Free · paid Premium, price varies by store
Manual tracking with a very fast circular interface. No web version: iOS and Android only.
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Free (manual) · Premium from $5.99
The most complete on this list and also the densest: bank syncing sits in Premium. If you want lots of options, this is the one.
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Free · $19.99 lifetime Premium
It offers a one-time payment, unusual in this category. In exchange, the free app carries ads.
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Free Basic · Plus $1.99/month or $14.99/year
The free plan already includes one wallet and one budget, and every plan comes with a 7-day trial.
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No free plan · $109/year or $14.99/month
It is a budgeting method, not just an expense log. The priciest here and the most demanding, but people who stick with it swear by it. 34-day trial, no card.
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Every price comes from the app’s official source, with the date it was checked. They change without notice — tell us if you spot something stale.
Comparison table
| Sumant | Fintonic | |
|---|---|---|
| No bank connection | Yes | No |
| No ID required at any point | Yes | Partial |
| Mobile and desktop equally | Yes | Partial |
| Calm design | Yes | No |
Fintonic connects to your bank through an aggregator (PSD2): it needs your banking credentials and reads your movements automatically to categorise them. Sumant doesn't touch your bank: you bring the transactions in yourself, logging them by hand or importing the CSV or Excel (.xlsx) you download from your bank's website.
Three objective differences: Sumant never asks for banking credentials and does not use an aggregator; you review what goes in before it is saved, whether you typed it or imported it; and there are no loan or insurance offers inside the app. Sumant is funded by the one-off PRO Founder payment; Fintonic states that it analyses your profile and brokers financing with more than 40 lenders.
Sumant's free plan includes unlimited manual income and expenses, multi-account, monthly dashboard and category budgets. PRO Founder costs €19.99 as a single payment, adding imports without the free plan limit, categorisation rules, recurring transactions, custom categories, goals without that limit, and CSV and XLSX export.
See full pricing →The data you enter lives first on your own device and, when you sign in, syncs encrypted and tied to your account. No other user can access it.
How we look after your data →You can export anytime: JSON on the free plan, CSV and XLSX on PRO. If you delete the account, the device is cleared only after server confirmation; the privacy policy explains the periods that apply to technical copies.
There are two families. If you want to stay with a bank-connected app, the market offers other aggregators with automatic categorisation. If the reason for switching is not sharing banking credentials or receiving financing offers, the alternative is manual tracking: you log each expense yourself and decide which data exists. Sumant is in this second family — you do the logging, data on your device first, and sync encrypted and tied to your account.
The tracker is still there, but its current website centres on financing: loans from one place, FinScore and debt consolidation; on the App Store it presents itself as “Fintonic | Ahorra y finánciate”. If all you want is to see your spending clearly, without a financial products layer, that difference matters when choosing.
Fintonic’s privacy policy contemplates disclosures to authorities, providers and necessary third parties. Sumant does not hand your transactions to third parties for commercial purposes: they live on your device first and, when you sign in, they sync encrypted and tied to your account. Who processes them and why is detailed in our privacy policy.
No card. No bank connection. The free plan does not expire.
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