Bankless Budget
Automated expense tracking from your bank's email alerts. No bank logins, ever.
A startup from the United States.
Automated expense tracking from your bank's email alerts. No bank logins, ever.
A startup from the United States.
This page is designed to help you find out whether Bankless Budget is good and if it is the right choice for you.
Bankless Budget tracks your spending without ever asking for your bank login. It works from the transaction alert emails your bank already sends.
You turn those alerts on, route them to a Gmail label, and connect your Gmail account. Bankless Budget reads only that label — nothing else in your inbox. Google's Gemini reads each alert and returns the store, amount, date, card used and a suggested category, which you can correct; that is the only place AI is involved. The result is a spending dashboard, transaction history and a monthly budget.
On the Free and Plus plans you start each import with a button; on Pro, spending appears as your bank sends the alert.
Free plan available. Paid plans from $7.99/month add years of history and spreadsheet exports.
Listed in
No bank login required
Never asks for bank credentials or links a bank account. Works from the transaction alert emails your bank already sends
Reads One Gmail label
Reads only the Gmail label you choose for bank alerts — nothing else in your inbox
Purchase Details Filled In
Google's Gemini reads each alert and fills in the store, amount, date, card and a suggested category, which you can correct.
Monthly Budget
Set a monthly limit for each category and see how much of it you've used. Start from a template or build your own.
Spending Dashboard
What you've spent this month, budget remaining, and a day-by-day chart of spending against your budget.
Category Rules
Tell it to remember a store's category for next time, or add merchant clues that steer new purchases into a category.
Spreadsheet export
Save your transactions to a Google Sheet in your own Google account, or download a CSV. Plus and Pro.
Manual Entry
Add cash purchases and anything your bank didn't email about, on every plan.
Automatic Import on Pro
On Pro, purchases appear as your bank sends the alert. On Free and Plus you start each import with a button.
It tracks your spending without ever connecting to your bank. Your bank can email you every time your card is used, and each alert already says where you spent, how much and when. Bankless Budget builds your dashboard, transaction history and monthly budget from those alerts, so it never needs your bank username, password or account numbers. It reads only the Gmail label you set aside for bank alerts, and then Google's Gemini picks out the details of each purchase.
Choose it if you'd rather not connect your bank to another app, but don't want to type every purchase in by hand either. Most budgeting apps connect to your bank, and for many people that works well. Without a connection, the usual options are manual entry or downloading files from your bank. Bankless Budget is a third way: it works from alerts that already arrive in your inbox.
It has honest limits. It shows what you spent, not your account balances. It can only import alerts that are in your Gmail, and it needs a bank that sends email alerts. If balances or investments matter most to you, an app that connects to your bank will suit you better.
It's for people who want their spending tracked automatically but would rather not connect their bank to another app. You don't need to be technical; setup takes a few minutes per bank, and our guides walk through each step. You need a Gmail account and a bank that emails transaction alerts, which most large banks offer.
We wanted a way to track spending that didn't involve connecting a bank, typing purchases in, or downloading statements. Transaction alerts turned out to be that way: most large banks offer them, and they go to an inbox you already have. The information was already arriving; it just needed organizing. Bankless Budget is a small, independent product, built and run in the US.
A React web app you can install on your phone or computer, a Python (FastAPI) backend and a database, running on Google Cloud. The Gmail API fetches alerts from the label you choose, Google's Gemini reads each alert, and payments are handled by Stripe.
We have collected here some useful links to help you find out if Bankless Budget is good.
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