Your money, tracked without handing over your bank login
A privacy-first finance tracker. No bank sync, ever. You enter what matters by hand — because the noticing is the point — and see your net worth, budgets, savings rate, and financial-independence math in one place.
Free to start. No credit card. Your data stays yours.
Why does every finance app ask for your bank password first?
You know the hesitation: typing your banking credentials into someone else's server so an app can read every transaction you have ever made. So you went back to a spreadsheet, and it held up — until a messy month broke the formulas, an irregular paycheck did not fit the columns, or a few skipped weeks left a gap you never reconciled. Either way, you still cannot answer the questions that matter: what is my real savings rate, how long is my runway, and how close am I to not needing a paycheck at all.
A finance tracker built around what you actually own
No bank sync, ever — your data stays yours
Keep The Process never connects to your bank, because it never asks to. You enter transactions by hand, so nothing is aggregated, nothing is sold, and there is no login to hand over.
A savings rate that survives a bad month
One blown month should not erase the picture. Your savings rate holds meaning across irregular income and surprise expenses, so the number stays trustworthy instead of swinging every time life gets messy.
Your financial-independence math, calculated for you
See your burn rate, your runway, and your distance to lean FI and fat FI without rebuilding a spreadsheet every quarter. The numbers update as you log.
Net worth and budgets that handle real life
Track multiple accounts, recurring bills, and reimbursements without forcing them into the wrong row. Transfers between your own accounts stay neutral; money that leaves counts as spending.
Reports that show the shape of your year
See where the money went, how the trend is moving, and whether this quarter matched what you said mattered — the read on your finances, not just a feed of transactions.
How it works
Backbone — decide what your money is for
Set your accounts, your budgets, and the targets that matter: a savings rate to hold, a runway to build, an independence number to reach.
Effort — log it in about 30 seconds a day
Add transactions by hand as they happen. Recurring bills, reimbursements, transfers — entered the way real money moves. No sync, no scraping.
Vision — see the whole picture and adjust
Open your dashboard and read your net worth, savings rate, runway, and FI progress at a glance. Run a weekly, quarterly, or yearly review and adjust before a quiet quarter becomes a lost year.
More than a finance app
Your money is one corner of a larger picture. Keep The Process tracks finances inside a whole-life alignment system — so the savings rate you are building connects to the life you said you wanted, not just a number in isolation.
Manual by design. Private by default. Yours, fully.
There is no bank integration to opt out of, because there is not one to begin with. Keep The Process never asks for a banking password, never aggregates your accounts, and never sells your data. Entering your money by hand is not a limitation we could not engineer around — it is the design. The noticing is the point. What you record is yours to keep, export, and walk away with.
Start free. Upgrade when you want the depth.
The free plan covers the daily loop with three months of history — enough to feel whether tracking by hand fits you. Budgets and net worth start at Basic. The whole-life dashboard, reviews, and multi-year history are Premium. The full financial-independence depth — lean and fat FI, runway, burn rate, and data export — lives in Pro. Together they replace a stack of separate apps that runs $300–500 a year.
See pricingQuestions, answered
Does Keep The Process connect to my bank?
No, and it never will. There is no bank sync, no aggregation, and no banking login to provide. You enter transactions by hand, which keeps your credentials with your bank and your data with you.
Isn't manual entry tedious?
It takes about 30 seconds a day, and the act of entering each transaction is the feature, not the friction. Noticing where your money goes is most of the value.
What happens to my savings rate in an irregular month?
It is built to hold up. Surprise expenses and uneven income do not break the number — your savings rate stays meaningful across messy months instead of swinging to extremes.
Can it handle multiple accounts and transfers?
Yes. Track multiple accounts, recurring bills, and reimbursements. Transfers between your own accounts stay internal and neutral; money that leaves to an external account counts as spending. Multi-account depth is part of the Pro tier.
Is this a YNAB alternative?
If what kept you from YNAB was bank syncing or the cost, yes. Keep The Process is privacy-first and manual by design, adds net worth and financial-independence math, and places your money inside your whole life plan.
Know your real savings rate, runway, and net worth — without ever handing over your bank login.
Free to start, no card required. No bank sync, nothing aggregated, nothing sold.