Expense tracker, no bank linking.

Marnie is an expense tracker app for iPhone and Android that records your spending without linking a bank account. It turns eligible Apple Pay taps and supported payment notifications into reviewable transactions, lets you add cash, receipts and voice entries, learns from your merchant corrections, and forecasts what may be safe to spend after bills and goals.

Yes, Marnie has a free plan. You can type, speak or scan expenses, set budgets, plan bills and goals, and see Safe to Spend without paying. Free includes a monthly allowance of Apple Pay and Android captures and limited cloud AI. Pro (US$1.99 a week, US$5.99 a month or US$44.99 a year; local prices vary) extends both. There is no free trial.

No. Marnie never asks for your bank login. Apple Pay activity reaches Marnie through an Apple Shortcuts automation, supported Android payment notifications can be captured, and anything else can be typed, spoken or scanned from a receipt.

Yes. On iPhone, a personal automation in Apple Shortcuts sends each eligible Apple Pay tap to Marnie, and it is saved and categorized when you next open the app. On Android, Marnie reads payment notifications from the apps you choose, such as Google Wallet. Uncertain captures wait for your review.

Marnie does not read your Apple Pay history. A personal automation in Apple's Shortcuts app passes each eligible Wallet transaction to Marnie, which saves and categorizes it when you next open the app. Wallet details can differ from your bank's final record, so captured entries stay reviewable.

You choose which payment apps Marnie may read. Marnie turns eligible payment notifications into transactions, ignores promotions and one-time codes, and leaves uncertain captures ready for your review. It does not read SMS messages.

Yes. Type or say a cash purchase, or scan a paper receipt with your camera, and Marnie turns it into a reviewable expense; income works the same way. Marnie also spots recurring bills and subscriptions in your history and can alert you when a subscription price goes up or a charge looks duplicated.

Yes. Marnie runs on iPhone with iOS 16.4 or later and on Android 8.0 or later. Download it from the App Store or Google Play. There is no iPad, web or desktop version, and records move between phones with backup and restore rather than live sync. The app is in English and supports 46 currencies.

Marnie never asks for your bank login, and your transaction record is stored on your phone. You sign in with Apple, Google or email. Cloud backup is optional and off until you turn it on. AI runs on your device by default; Automatic and Cloud modes send only the context a request needs. De-identified merchant and category matches, never amounts or account details, are shared to improve suggestions unless you switch that off.