Budget without handing over your bank login.
Finent has no bank linking. We never ask for your online banking credentials or read access to your accounts — and we never will. You stay in control of your money and your data.
Why “no bank linking” matters
When Mint shut down in 2024, millions of people learned how fragile a budget built on a bank connection can be. Most budgeting apps still rely on a third-party aggregator that needs ongoing access to your accounts. Finent takes a different path.
No credentials to leak
Aggregators store access to your bank. If they're breached, your accounts are exposed. Finent holds nothing to steal — because it never connects in the first place.
Nothing to sell
Linked-bank apps sit on a stream of your transaction data. That data is valuable, and the incentive to monetise it is always there. We never sell, rent, or share your data.
Nothing to break
Bank connections silently fail, re-prompt for logins, and drop transactions. A budget that depends on them breaks with them. Yours never will.
So how does it work instead?
You're in the loop — which is the whole point.
You add your income and bills
Enter your paychecks and recurring bills once. It takes a couple of minutes, and nothing leaves your account behind your back.
Or import a CSV
Coming from a spreadsheet or another tool? Import your income and expenses from a CSV file — no linking required.
Finent does the math
Each payday, see exactly what to set aside for upcoming bills and what's free to spend — all from data you chose to share.
Privacy you can actually verify
Not just a promise — these are things you can check and control yourself.
Frequently asked questions
How does budgeting work without linking my bank?
You enter your income and recurring bills once (or import them from a CSV). Finent then calculates how much to set aside from each paycheck so every bill is covered before payday — no read access to your accounts required.
Isn't manual budgeting a lot of work?
Not really. Your bills are entered once and recur automatically, which is most of a budget. Setup takes a few minutes, and you engage with your money deliberately instead of reviewing an auto-categorized feed.
Can I import my existing data?
Yes. You can import income and expense records from a CSV file, so you can migrate from a spreadsheet or another tool without retyping everything.
Is my financial data sold or shared?
No — never. Finent does not sell, rent, or share your personal or financial data with any third party for commercial purposes.
Can I export or delete my data?
Yes. You can export or delete all your data at any time from your account settings.