Budget app that doesn't connect to your bank
A budget app that doesn't need to connect to your bank
Bank-synced budget apps are only as reliable as their bank connection — and connections break: a bank changes its login flow, adds two-factor prompts, or drops support for an aggregator, and suddenly your budget history has gaps. Zeno's budget tracking runs on what you import or enter yourself, so there's no sync to break.
| Feature | Zeno | Most bank-synced budget apps |
|---|---|---|
| Bank account connection required | No | Yes, for automatic transaction sync |
| Can break when your bank changes login | Nothing to break — no live connection | Yes — a common source of gaps in your history |
| CSV / statement import supported | Yes — several major bank export formats | Varies |
| Manual entry supported | Yes, with a 509+ service catalog for autofill | Varies, often an afterthought |
A monthly budget cap, category budgets, and envelopes all work in Zeno from subscriptions you’ve imported or added manually — no ongoing bank connection to maintain, re-authenticate, or lose data to when it inevitably breaks.
Budget without a bank connection that can break
Zeno is pre-launch — join the waitlist and we’ll email you the moment it’s available.