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Guide · Problem → solution

"I want to track bills
without linking my bank account."

Rocket Money, Truebill, Copilot, and Monarch all ask for read-only access to your bank through an aggregator like Plaid. If your answer is "no — I'm not giving a third-party app my banking credentials," here's the honest alternative.

Skip to the answer FAQ

Why bank aggregation is the problem

Automated bill trackers need to see your transactions to work. They ask for read-only API access via Plaid, Yodlee, or similar aggregators. In exchange, you get auto-discovery of subscriptions, bill negotiation, and cashflow insights — all powered by the aggregator's view of your finances.

If you're privacy-conscious, the trade is unacceptable:

You're handing over banking credentials
Even with OAuth-style flows, the aggregator holds a token with access to every transaction you make. That's not "just bills" — it's everything.
Your data sits on a third-party server
The aggregator caches your transaction history. Any breach at Plaid, Yodlee, or the bill-tracker itself exposes it.
Monetization incentives are mixed
Many bill-negotiation apps take a cut of savings — which means they profit from keeping you in the loop. The incentive isn't fully aligned with your calm.
Your bank may not allow it
Some banks (especially outside the US) simply don't integrate with aggregators at all. If your bank isn't supported, automated trackers don't work for you.

The answer

AllPaid — manual-first, private, offline

A calm bill tracker for iPhone, iPad, Mac, and Apple Vision Pro. You add bills yourself (or use smart detection for common ones), track them on a calendar, and mark paid with a single tap. Zero bank connection. Zero cloud storage. Zero accounts.

AllPaid icon
AllPaid
Bills, calmly handled.
AllPaid is a calm bill tracker that organizes bills, subscriptions, and due dates in one place. Smart detection, calendar view, widgets, Siri, and spending analytics. No ads.
finance iOS

Isn't manual entry tedious?

Only at the start — which takes 10–15 minutes for a typical household of 20–50 bills. After that:

Smart detection fills in the details
Type "Netflix" and AllPaid auto-fills the amount, category, and billing cycle. 30+ common services recognized. New bills are 2 taps.
Mark paid is one tap
From the app, from a notification, from a Home Screen widget. Undo if you tapped too fast. Zero friction.
Most bills don't change
Your rent, utilities, and subscriptions are the same every month. Once entered, they recur automatically. You only touch new additions.
Calendar + widgets make it passive
The full monthly calendar and Home Screen widgets mean you barely need to open the app. The information comes to you.

What you give up (honest version)

Manual entry means you lose:

  • Automatic subscription discovery (no auto-scan for forgotten recurring charges)
  • Bill negotiation features
  • Cross-account cashflow forecasting
  • The feeling that "the app knows everything about my money"

If those features are critical for you, AllPaid isn't the right choice — you need an aggregator-based app and you're accepting the privacy trade. AllPaid is built for people who'd rather spend 10 minutes of setup than hand over bank credentials.

Questions

FAQ

Is there a bill tracker for iPhone that doesn't connect to my bank?
Yes. AllPaid is a privacy-first bill tracker that works entirely from manual entry — no bank connection, no Plaid, no account aggregation. You add bills yourself and mark them paid. Data stays on your device.
Why do Rocket Money and Truebill require bank access?
Those apps automatically discover recurring subscriptions and enable bill negotiation. To do that, they need read access to your transactions through an aggregator like Plaid. If you don't want to hand over bank credentials to a third party, the trade-off is manual entry — which is what AllPaid is designed around.
Is manual bill entry actually sustainable?
Yes, once you do the initial setup. Most people have 20–50 recurring bills that don't change much month to month. AllPaid's smart detection auto-fills 30+ common services and the mark-as-paid flow is a single tap from a widget or notification.
Does AllPaid have widgets and Siri?
Yes. Home Screen and Lock Screen widgets show upcoming bills, the full calendar widget puts your month on your Home Screen, Live Activities show today's and tomorrow's bills on the Dynamic Island, and you can ask Siri what's due.

Try it

Open AllPaid.

Manual-first, private-first, account-free. Free to start, with an optional Pro upgrade if you want unlimited bills and spending analytics.

Learn about AllPaid See all apps