Public betaFree web app — iOS & Android soon →

Because adulting is a slow burn.

Budget, savings, investments, pensions, loans and mortgage — all in one place, so the spreadsheet finally gets to retire. And it never asks for your bank login.

Start free See how it works
  • No bank login
  • Data stays on your device
  • Free plan, no card
The Bunse Overview screen showing net worth, a Warming up flame score, budget surplus, debt and savings progress
Why Bunse

People already track their money. They just don't trust apps with it.

39%

of UK adults who budget use a spreadsheet — compared with just 9% who use a budgeting app.

Source: YouGov, UK financial outlook 2026
84%

of UK consumers don't trust that open banking is safe. Most budgeting apps need a bank connection. Bunse never does.

Source: Finextra, “Majority of Brits don't trust open banking with their data”
How it works

Your money spreadsheet, but it does the maths.

Mortgage overpayments, 0% deadlines, portfolio gains, deposit goals — tracked properly, on your phone.

01 / The problem

Six apps, and still a spreadsheet.

Your current account is in one app. Your ISA is in another. The mortgage is on a lender portal you log in to twice a year. The credit card has a 0% deal ending at some point you can't remember.

None of them talk to each other. So you open a spreadsheet, key it all in, and try to work out where you actually stand. That spreadsheet is doing something valuable. It's just doing it badly.

02 / One place

One net worth figure. Debt included.

Bunse holds everything — budget, savings, pensions, investments, loans, credit cards, mortgage — and gives you a single net worth figure that accounts for all of it.

Then it does the parts a spreadsheet can't do without an afternoon of formula-wrangling.

03 / Your flame

Watch the flame grow.

Bunse scores the things you actually control — how much you're putting aside, how much of your credit limit you're using, how many months of expenses you've got covered — and turns them into a single flame.

Small and amber when you're getting started. Full heat when everything's where it should be.

Savings rate·Credit utilisation·Emergency fund
04 / Credit cards

Know exactly when 0% ends.

Track balance transfers, money transfers and purchases separately, each with its own rate and interest-free deadline.

Bunse shows what's still at 0%, what's started accruing, and warns you before a promo window closes.

05 / Mortgage

Should you overpay the mortgage?

Enter an overpayment and see the interest saved, the years cleared early, and the debt curve with and without it.

Log real payments as you go and watch the projection update. Want to try it now? Use the free overpayment calculator.

06 / Privacy

It never asks for your bank login.

No Open Banking consent screen, no third-party aggregator, no credentials to hand over. Your accounts, balances and transactions stay on your device — export everything as a file whenever you want.

Got a statement to enter? Import a CSV, QIF or OFX export. The file is read on your phone and never uploaded. How Bunse handles security

Everything in one place

Nine parts of your financial life. One app.

Overview

Net worth, transactions and upcoming liabilities — one unified dashboard.

Budget

Dynamic pie charts. See your true surplus cash at a glance.

Savings

Visual goals. Watch your safety net grow over time.

Investments

Keep track of your holdings, with live prices from your own market-data API key.

Pensions

Workplace pensions and SIPPs, with employer contributions tracked separately — watch the free money add up.

Loans & credit

Track utilisation and 0% deadlines. Pay down debt efficiently.

Mortgage

From saving the deposit to clearing the last payment.

Deposit HubSet a deposit goal and track your progress.
Repayment HubLog your product, automatic monthly payments, LTV and an overpayment calculator — for the whole term.

Insights

Spend trends by category and merchant, "wants" tracked separately, and custom groups — every chart drills into the real transactions.

Ask Bunse

Ask a plain question, get an instant answer. No chat, no AI service — worked out entirely on your device, like everything else.

Pricing

The hottest way to track your cold hard cash.

Everything most people need is free. A Pro plan for advanced features is coming soon.

FreeAvailable now
£0

No card required.

Bring it in

  • Bank statement import: CSV, QIF, OFX, QFX, QBO
  • Works with any UK bank, without your bank login
  • Regular bills and subscriptions picked out for you
  • Or set everything up by hand

Track

  • Budget: planned vs actual, with Budget Health
  • Subscriptions and bills: renewals and price rises spotted
  • Savings accounts and goals
  • Pensions, including employer contributions
  • Loans and credit cards, with 0% deal reminders
  • Investments: end-of-day unit price updates using your own API key, or set values yourself

Plan

  • Mortgage tracking across each rate deal, with automatic repayment logging
  • Deposit saving: link savings to a target deposit, with LTV bands
  • Overpayment planner with the 10% allowance check
  • Interest-rate change previews
  • Reminders before deals, trials and fixed-term savings end

Understand

  • Insights: spending totals and trends against your plan
  • Ask Bunse: instant answers about your own numbers
  • The flame: a rating of your money habits
  • Net worth over time
  • Discretionary spend tracking
Start free
ProComing soon
FAQ

Good questions to ask a money app.

More answers in the full FAQ and help centre.

Does Bunse connect to my bank?

No. Bunse has no Open Banking connection and never asks for your online banking login. You import a statement file you've downloaded from your bank yourself, or enter your figures by hand.

How do I get my transactions into Bunse?

Download your transactions from your bank's website or app as a file (CSV, QIF or OFX) and import it. Bunse reads it on your phone, picks out your regular bills and subscriptions, and builds your budget from them. You can also set everything up by hand.

Where is my data stored, and what if I lose my phone?

On your device, and nowhere else. Bunse has no server holding your financial data, so there's no account to break into. It also means we can't recover it for you, so export a backup from Settings now and then. If you lose your phone, restore that backup on your new one.

Is Bunse free?

Yes. Everything in Bunse is free: your budget and statement imports, savings, investments, pensions, loans and credit cards, your mortgage and Insights. There are no adverts, no card details to add and no account to create.

Which phones does Bunse work on?

Bunse is coming to iPhone and Android. Until it's in the App Store and Google Play, you can use the web version on any phone and add it to your home screen.

Is this financial advice?

No. Bunse is a tracking tool, not a financial adviser. It shows you figures based on what you enter and never recommends what to buy, sell or hold.

Compare & learn

Honest comparisons and free tools.

No sign-up, nothing stored.

Mortgage Overpayment Calculator

See how much interest you'd save and how many years you'd clear early.

Try the calculator →

Budgeting Without a Bank Login

Why so many people don't trust open banking, and how to budget properly without it.

Read the guide →

Bunse vs YNAB

Free vs £109/year, and the method it actually takes to replace it.

Compare →

Bunse vs Emma

What you get free with Bunse vs Emma's £4.99–14.99/month tiers.

Compare →

Bunse vs Snoop

Catching price rises without handing over your bank login.

Compare →

Give the spreadsheet its retirement.

Free, in your browser, and it never asks for your bank login.

Start free Getting started guide
Coming soon to App Store Coming soon to Google Play