A budget app without a bank connection
You do not need to link a bank account to make a budget. In Assetra, you enter a plan yourself and update actual amounts and asset balances at month-end. No bank login or Assetra account is required. This approach suits people who want annual planning and a monthly review rather than automatic transaction imports.
How does budgeting without bank sync work?
Enter recurring income and expenses once, then place annual costs in their payment months. Record important cash expenses separately. For cards, you can use one statement expense and optionally keep category detail with Paid by credit card. The statement and its purchases are not counted twice in the total.
A plan is different from an account balance
Budget entries do not transfer money or automatically update bank balances. You update real bank and investment balances in Assets or during month close. Savings shown in the budget are not the same as cash in your account.
Where do the records live?
Budget, payment and asset records are stored on your device. iCloud sync between iPhone and iPad is optional (iOS only, turned on in Settings). No Assetra account is required. Live market prices may use external services, but personal budget records are not sent with those price requests. The privacy page explains iCloud sync and backups.
Keep a backup outside your phone
iCloud sync between iPhone and iPad is optional (iOS only, turned on in Settings). An exported backup file is a separate copy. Export a JSON backup from Settings and keep it somewhere secure that you can access without the device. On iOS you can manually save a copy to iCloud Drive. Restore the file when needed.
Who does this approach suit?
It suits people who plan ahead and review at month-end. If you need every bank transaction imported automatically, Assetra does not provide that function. Other applications have different bank connection and security methods; choose according to your needs.
Frequently asked questions
Do I have to enter every receipt?
No. You can start with recurring items, important cash expenses and card statement totals. Purchases you do not record separately will not have detailed categories.
Does it ask for my bank password?
No. Assetra does not connect to banks, import transactions or transfer money.
Can I sync between devices?
iCloud sync between iPhone and iPad is optional (iOS only, turned on in Settings). Android has no sync; transfer data by exporting and restoring a JSON backup.
Explore a sample budget
Follow a sample budget step by step in the interactive guide. Its figures are examples; it does not connect to your real accounts.
Open the user guide →