Budget apps that don't need to link your bank
Almost every well-known budgeting app runs on the same thing: a live link to your bank. That one fact decides the price, the countries it works in, and what you have to hand over, so it's worth knowing which apps skip it entirely.
Read it → Find the leak · 9 September 2026How to audit your spending
Nothing left by the 28th, and you can only account for about half of it. The reason usually isn't willpower, it's that you've never actually seen the numbers — and you can fix that in one sitting rather than waiting a month.
Read it → Budgeting rules · 9 September 2026The 50/30/20 rule in the Philippines
If rent takes 45% of your take-home, the 50 is gone before you've eaten anything. The rule isn't wrong, it just assumes a life that doesn't look much like yours.
Read it →Track it without the typing
Hand Arco a bank statement and it fills in the transactions for you. It's free, and you can log what you spend without an account — you only need one for syncing between devices and for import.
Also on the Microsoft Store. Free to use, and logging what you spend needs no account.