Money Harbour: the private budget app and investment tracker that never asks for your bank login
Money Harbour
Every expense, every account, every investment, tracked offline, without your bank login.
A full budget planner and bill tracker, plus real portfolio depth most finance apps skip: cost basis, realized gains, multi-currency net worth. No ads, no sign-up, and your financial records never leave your device.
Available now for Android phones and tablets. iPhone and iPad coming soon.
Full budgeting, plus a portfolio most apps bolt on as an afterthought
Most budgeting apps treat investing as a balance pulled from an API and shown as a single number. Money Harbour treats it as seriously as the rest of your finances, because it was built by someone who actually holds multiple portfolios.
Real cost basis, not a blended average
FIFO, LIFO, or specific-lot: choose which shares or crypto are treated as sold first, the same choice a real broker or exchange gives you.
Realized and unrealized gains, separated
See what you’ve actually banked this period versus what’s still on paper, not just a total that moves with the market.
Every holding, one real net worth
US and Canadian stocks, ETFs and crypto, each held in its native currency (USD, CAD and more), combined into one net worth at current rates.
Trade history import, done properly
Import your real exchange export as-is, including crypto-to-crypto swaps, correctly split into a linked buy and sell so cost basis never breaks.
Fees kept separate, for tax time
Brokerage and exchange commissions are tracked as their own line, not folded invisibly into the price, so your capital gains and cost-basis numbers are right at tax time.
Prices without giving up your data
Live refresh from Yahoo Finance, Binance, and CoinGecko sends ticker symbols only, never your holdings, quantities, or identity.
The right coin, every time
Plenty of tickers are shared by unrelated projects. Money Harbour matches by the coin’s actual name, not just its symbol, so your BONK is never priced as someone else’s.
Rebalancing alerts you set yourself
Give any holding a target allocation and get flagged the moment it drifts, alongside an allocation chart and your biggest movers at a glance.
Nothing counted that isn’t really yours
Moved a coin to another wallet, or it was delisted? Exclude it from your totals with one tap without losing its history.
A look inside
The screens you’ll spend most of your time in.
Your finances stay on your phone
Money Harbour has no server holding your data, because it has no server at all. Nothing to breach, nothing to sell, nothing to opt out of.
Your bank credentials stay yours
Apps that sync your accounts do it by holding your bank login with a third-party aggregator. Money Harbour never asks, so there is nothing to hand over and nothing to lose.
No cloud account
No sign-up, no password, no profile. The app works the moment you open it.
No ads, no tracking
Your financial data is never sent to anyone, including us. No ads, no analytics of how you use the app, no third-party scripts, no behavioral profiling.
Data stays on device
Every transaction, holding, and budget lives in local storage on your phone.
Export is yours
PDF, Excel, CSV, QIF, OFX/QFX and a full JSON backup. Take your records anywhere.
Works offline
No connection needed to open the app, enter a transaction, or run a report. Internet is only used when you refresh investment prices.
Locked if you want
Optional PIN app lock on top of your device’s own security.
Imports stay local
CSV, QIF, and PDF statements and receipt photos are read on your device and reviewed row by row before anything is saved.
Prices without profiles
A price refresh sends ticker symbols only, never your holdings, quantities, balances, or identity.
No sync doesn’t mean typing everything
Bank sync exists because manual entry is tedious, not because anyone enjoys handing over their login. Money Harbour solves the tedious part five other ways.
Your statement, in bulk
Download the CSV, QIF, or PDF your bank already gives you and import it. Every row is parsed on your device and shown for review before a single entry is saved.
Snap the receipt
Take a photo of a receipt and the amount, date and payee are read on your phone and filled in for you to check.
Say it at the counter
Speak a transaction and the amount, payee, and a suggested category are filled in for you.
Bills that post themselves
Rent, insurance, subscriptions: set them once as recurring and they appear on schedule, with a reminder before the due date.
One tap for the usual
Bookmark the transactions you make constantly and re-enter them from the register in a single tap.
A full ledger, a portfolio tracker, and a record-keeping system
- Checking, savings, credit card, loan, investment, and cash accounts
- Full transaction register with search, filters, and a calendar view
- Split a transaction across multiple categories
- Sub-categories for detailed budgeting: Auto → Gas, Insurance, Repairs
- Transfers between your own accounts, kept out of income and expense totals
- Scheduled and recurring bills with due-date reminders, shown as one real monthly cost regardless of how each one bills
- A 30-day cash flow forecast so upcoming bills never come as a surprise
- Receipt scanner: photograph a receipt and the amount, date and payee are filled in, read on your phone
- Voice entry: speak a transaction and it’s filled in for you
- Stocks, ETFs, and cryptocurrency in separate portfolio views
- FIFO, LIFO, or specific-lot cost basis, your choice, with a full tax-lot breakdown per holding
- Live price refresh: Yahoo Finance for stocks/ETFs, Binance and CoinGecko for crypto, matched by name to avoid ticker mix-ups
- Realized and unrealized gain/loss reporting
- Allocation chart, top movers, and concentration warnings
- Optional target allocations with drift alerts
- Multi-currency accounts combined into one net worth at current rates
- Category budgets with overspend warnings
- Savings goals with contribution tracking
- Debt payoff planning for loans and credit cards
- Income vs. expenses, net worth trend, and category breakdowns
- Set your own tax year, not just the calendar year, with matching “this/last tax year” reports
- A custom report for any date range and any account(s), with a year-by-year PDF for your accountant
- Formatted, printable PDF statements, one table per account
- Multi-tab Excel workbook for your accountant
- CSV, QIF, and OFX/QFX exports
- Full JSON backup, restorable anytime
- Nothing is silently deleted: void a transaction instead of erasing it
- Accounts with any history can only be archived, never hard-deleted
- Optional PIN app lock
- Bank statement import with a review screen before anything saves
The full app, with room to spread out
On a bigger screen, Money Harbour switches to a side-by-side layout — a permanent nav rail and, on the Register, a detail pane that opens next to the list instead of covering it.
What other finance apps don’t do
We went through the top-selling budgeting apps feature by feature. These are the places we came out alone.
Stop paying and you keep your records
If your subscription lapses, everything you’ve entered stays readable and exportable. You just can’t add new records until you renew.
Works with no connection
Every competing app we looked at needs the network to be useful. Money Harbour opens, records, and reports with the radio off.
Void, don’t delete
A cancelled transaction stays in the register with its balance effect zeroed, and it can be reversed.
Deletion you have to mean
Removing an account, category, transaction, or holding takes a typed confirmation.
Locked the moment you switch away
An optional PIN lock, plus a screen that’s blanked in the app switcher so nothing is ever visible in a preview.
Backups go where you send them
Every export hands off to your device’s own share sheet. We never hold a copy.
No ads at any tier
Not in the free tier, not anywhere. The free version is a smaller Money Harbour, not an ad-supported one.
Free to start, subscribe when you outgrow it
- 2 accounts
- 50 transactions
- Full privacy, same on-device storage
Monthly or yearly, priced in the App Store or Play Store for your region.
- Unlimited accounts and transactions
- Investment portfolios, multi-currency, live prices
- All reports, statements, and export formats
- Bank statement import and voice entry
If a subscription lapses you keep full read and export access to everything already in the app.
FAQ
Questions about Money Harbour
What is Money Harbour?
Money Harbour is a personal finance app that works as a budget planner, an expense tracker and money tracker for everyday spending, a net worth tracker and an investment portfolio tracker, all in one. It keeps every account, transaction, budget and holding on your own phone, with no bank login, no sign-up and no ads.
Is there a budget app that doesn’t link to my bank account?
Yes, Money Harbour never asks for your bank login. Instead of bank sync, you import the CSV, QIF or PDF statement your bank already gives you, scan a receipt, speak a transaction, set recurring bills that post themselves, or re-enter your usual transactions with one tap.
Do I need to sign up or create an account?
No. There is no sign-up, no password and no profile. The app works the moment you open it.
Does Money Harbour work offline?
Yes. You can open the app, enter transactions and run reports with no internet connection. The internet is only used when you refresh investment prices or exchange rates, and then only ticker symbols or a currency code are sent, never your balances or holdings.
Can it track stocks, ETFs and crypto?
Yes. Stocks, ETFs and crypto each get their own portfolio view, with FIFO, LIFO or specific-lot cost basis, realized and unrealized gains, allocation charts and drift alerts. Prices refresh from Yahoo Finance, Binance and CoinGecko, and holdings in different currencies, such as USD and CAD, combine into one net worth.
Can I import from Quicken or my bank?
Money Harbour imports CSV, QIF and PDF bank statements, reviewing every row before anything is saved. It exports PDF, Excel, CSV, QIF and OFX/QFX files, plus a full JSON backup, so your records are never locked in.
Does Money Harbour scan receipts?
Yes. Take a photo of a receipt and Money Harbour reads the total, the date and the payee on your phone and fills in the transaction for you to check. The photo stays attached to the transaction and is never uploaded, so it works as an expense tracker with a receipt scanner, without a cloud account. On Android the reading is done by Google’s on-device ML Kit, which sends Google basic technical statistics such as the device model and app version, never the photo or its text.
Is my financial data private?
Yes. Every transaction, holding and budget lives in local storage on your device. Money Harbour has no server holding your data, no analytics of how you use it, no tracking scripts, and an optional PIN lock. Your financial data is never sent to anyone, including us, and backups go only where you send them.
How much does Money Harbour cost?
There is a free version with 2 accounts and 50 transactions. Full Access is a monthly or yearly subscription, priced on Google Play for your region, and unlocks unlimited accounts, investment portfolios, all reports and statement import. If a subscription lapses, you keep full read and export access to everything already in the app. There are no ads at any tier.
Which devices does it run on?
Money Harbour is available now for Android phones and tablets on Google Play. iPhone and iPad versions are coming soon to the App Store.
About
Money Harbour is a personal finance and investment tracker, available now on Google Play for Android, with iPhone and iPad coming soon. It is built by Khattak Digital Media, the makers of Invoice Vault and As i flow CRM.
It started with a complaint we kept reading in reviews of other finance apps: they stop working the moment the connection does. A tool for your own records shouldn’t depend on someone else’s server being up.
So it was built around a simple constraint: the app should never need your bank credentials and should never need a server. Everything you record stays on your device, and everything you record can be exported in a format your accountant or your next app can read.
The record-keeping rules follow from the same idea: transactions are voided rather than deleted, accounts with history are archived rather than erased, and imports are reviewed before anything is saved.
Contact
Questions, bug reports, or feature requests: write to us directly.