Marnie is a personal expense tracker for iPhone and Android that keeps a reviewable record of your spending without linking a bank account.
Who makes Marnie
Marnie was founded by Sara Ghazanfar, who publishes the app on the App Store. The same team writes the guides on this site under the Marnie Editorial byline and is accountable for their accuracy, as set out in our editorial policy.
Why Marnie exists
Most budgeting apps start by asking for your bank login. Plenty of people don't want to share it, or their bank isn't supported. Marnie starts from the payments you already make (tap-to-pay on your phone, payment alerts, cash and receipts) and turns them into a record you can check, then looks ahead to the bills and savings that are coming before telling you what may be safe to spend.
What we build on
Capture without a bank login
Apple Pay payments reach Marnie through an Apple Shortcuts automation, supported Android payment notifications can be captured, and anything else can be typed, spoken or scanned. You never hand over bank credentials.
Local-first by default
Core financial records stay on your device. Cloud Backup is optional and off by default, and AI starts in Local mode.
Look forward, not just back
Safe to Spend sets aside upcoming bills, goal savings and an emergency buffer before showing what may be free to use.
Reviewable, never silent
Uncertain captures wait for your review, and confirmed corrections teach Marnie how to handle that merchant next time.
What Marnie isn't
Marnie is not a bank, does not move money and does not give personal financial advice. It doesn't connect to bank accounts, so balances are ones you enter. Read the Privacy Policy for exactly what stays on your device and what an optional feature sends to a service, and the pricing page for what Free and Pro include.
