Know exactly where your money went.
No bank login to hand over, and no aggregator in the middle. You type it in — or drop in the statement your bank already gives you.
What is Accountable?
Accountable is a manual-entry budgeting app with no bank connections. You type in each income and expense yourself, which takes about four seconds, and it shows you where the money went — on a dashboard, and on a calendar that colours in the days you made money and the days you did not.
How much does it cost?
30 days free, then Accountable is $5 a month or $40 a year in US dollars. There is one plan and everything is in it — the calendar, budgets, recurring entries, the savings, investing and debt tools, import and export. If you stop paying, the account becomes read-only: everything you logged stays visible and stays exportable, and only adding and editing stop.
Why manual entry?
Because a live bank connection means handing a data aggregator your banking credentials, and it also means the numbers arrive without you ever looking at them. Typing an amount takes about four seconds and is the moment you actually notice what you spent. History you already have can still be imported from a file your bank gives you.
What does it cost?
30 days free, then $5 a month or $40 a year — one plan, with everything in it. There is no tier above it, no feature sold separately and no add-on. The subscription is the entire business model, which is why there are no ads and nothing is sold to anybody: an app funded by advertising has to know what you spend in order to be worth advertising on, and this one is funded by the people using it instead. Whatever you log stays readable and exportable whether you keep paying or not.
Why manual entry? Is that not a step backwards?
It is the trade. A live bank connection means handing an aggregator your banking credentials, and it also means the numbers arrive without you looking at them. Typing an amount takes about four seconds and is the moment you actually notice what you spent. Plenty of people have tried the automatic kind and stopped opening it; this asks for a little more and gives you a reason to. Starting from scratch is not part of the deal, though — you can import a statement from your bank or your old budgeting app, in whichever format it offers, and keep the history.
What happens to my data if I stop using it?
It stays where it is until you delete it, and you can take all of it with you at any time — one click exports every transaction, category, income source and recurring rule as CSV. Deleting your account deletes the data with it. There is no export fee, no lock-in period and no "premium export".
Is my financial information safe?
Nothing in the app is ever seen by a bank or an aggregator, because there is no connection to make. Your rows are isolated in the database itself by row-level security, so a bug in the front end cannot show one person the data belonging to anyone else. Passwords are hashed and we cannot read them. No system is perfect, and the privacy policy says exactly what is stored and who processes it.