funnd: Budget Expense Tracker

funnd records what you spend without you typing anything in. When your bank or wallet sends you a payment alert, funnd reads the amount and the shop, works out the category, and files it. Your month builds itself. NO BANK LOGIN. EVER. Most automatic expense trackers want your online banking details so they can read your account from their servers. funnd never asks for them. NO INTERNET PERMISSION AT ALL funnd does not request permission to use the internet. Your spending is read on your phone and stored on your phone, and the app cannot upload it anywhere — not even to us. No account, no sign-up, no cloud, no ads, no tracking. YOUR MONTH AT A GLANCE What came in, what went out, and what is left to spend. EVERY PAYMENT, LOGGED Payments appear as they happen, with the shop and category filled in for you. Add anything by hand too, including cash. WHERE THE MONEY GOES Spending by category — groceries, fuel, bills, eating out — and monthly charts to spot the pattern before payday. IT LEARNS YOUR SPENDING When funnd does not recognise a shop, it asks once and remembers your answer. TRANSFERS ARE NOT SPENDING Moving money between your own accounts stops counting against your budget. BILLS YOU KNOW ARE COMING Rent, subscriptions and anything that repeats, counted before you spend it. MONEY BETWEEN FRIENDS Tag what you lend and what comes back, and see who still owes what. SHARED ACCOUNTS STAY SEPARATE Mark a payment as joint and it stops counting against your personal budget. LOCK IT Optional fingerprint or PIN before funnd will show anything. PROPER REPORTS Export a printable PDF for any month. MOVE PHONES EASILY Back everything up to one file you control, and open it on the new phone. WORKS WITH Monzo, Revolut, Starling, Barclays, HSBC, Lloyds, NatWest, Google Wallet and Google Pay. SIX CURRENCIES, FIVE LANGUAGES Pounds, dollars, euros, rupees, Canadian and Australian dollars. English, Welsh, Spanish, French and German. funnd needs notification access to read your payment alerts. That is what makes the whole thing work, and it never leaves the device.