A UK bill tracker that never connects to your bank
Budgeting and debt payoff planner with no bank linking and no data selling
Stage
Not given
Not given
Founded
Not given
Not given
Based in
GB
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Pricing model
Freemium
Not given
Pricing
Free: £0, no card needed, up to 8 outgoings and 2 incomes. Pro Personal: £3.99 per month or £39.90 per year (7-day free trial). Pro Business: £12.99 per month or £129 per year, billed from day one.
Free plan: 2 accounts, 5 debts, 1 property, no card required. Home plan: $5.99/month.
Key features
Manual bill and income entry without bank connection
Payday-to-payday view for flexible pay cycles
Savings pots and bills funds for goal tracking
Debt planner with snowball and avalanche comparisons
Email and browser reminders for due bills
Partner sharing with separate personal ledgers
Invoicing and job tracker for Pro Business
Avalanche, snowball, or custom debt payoff order
Projected debt-free date
Financial forecasting up to ten years out
Overdraft warnings months in advance
Bank and credit card statement upload
No bank account connection required
Two-factor authentication and encryption
Consolidation offer calculator
Household sharing of financial books
What makes it different
Free plan requires no card and covers up to 8 bills and 2 income sources
Partner can join Pro Personal household for free
Works as a web app and can be added to phone home screen
No bank account linking – you enter numbers, not credentials
Price locked in for life – no rate increases
Reads bank statements to eliminate manual data entry
Actual debt-free date instead of vague projections
Billify
The Silo