Simple expense tracker with no extra features
Most modern budgeting apps come overloaded with complex investment tracking, calendars, and savings goals that make them too overwhelming to use. People who just want to view their income and expenses end up trapped between complicated software they don't want and messy spreadsheets they don't know how to build.
What people tried
Every workaround mentioned in the threads below. We haven’t tested any of them — and nobody here is claiming they worked.
- 1Switching to alternative apps like Credit Karma
- 2Using manual exports to Excel and analyzing data via AI or spreadsheets annually
- 3making excel sheets
In their words
Unedited, grouped by where they were said, most upvoted first within each place, each linked to the thread it came from.
r/smallbusiness1 person · September 2026
r/personalfinance1 person · September 2026
Where this came up
People with this problem also raised
- 5Tracking business and personal finances without full accounting software
- 8Free budgeting apps that connect to banks without long-term goals
- 15How to handle expense reports without being good at math
- 7Simple offline accounting software without monthly subscriptions
- 3Why is it so hard to find a debt-focused budgeting app?
- 3How to track HSA medical receipts for decades