Your login stays yours
Bank-linked apps hand an access token for your accounts to a data aggregator. With Voice Sheet there's nothing to hand over — it can't see your accounts because it never connects to them.
No bank linking
The expense tracker that never asks for your bank login.
Voice Sheet is an iPhone and Android app that tracks spending without connecting to your bank. You log each expense yourself — by voice, a quick note or a form — and it's saved in a Google Sheet you own. No bank credentials, no aggregator, no third party reading your accounts.
VOICE SHEET · PERMISSIONS
Bank loginNEVER
Card numbersNEVER
Google SheetsYOUR CHOICE
MicrophoneIF YOU USE VOICE
NotificationsIF YOU USE REMINDERS
TOTAL BANK ACCESS: NONE
IN SHORT
An expense tracker without bank linking records spending you enter yourself, instead of importing it from your bank through a service like Plaid. Voice Sheet makes manual tracking fast — speak or jot an expense and it becomes a row in your own Google Sheet — so you get the privacy of manual entry without the typing.
Why skip the bank connection
Why track expenses without linking your bank?
Nothing to break
Bank connections expire, ask you to re-authenticate and miss transactions. A spreadsheet you write to yourself doesn't depend on any of that.
Cash counts too
Market stalls, tips, split bills, money abroad — logging by hand covers spending a bank feed never sees, in any of 30 currencies.
You notice what you spend
Saying “coffee, 4.50” out loud takes seconds and keeps you aware of every purchase — something an automatic import quietly skips.
“But manual is slow”
Manual tracking, without the manual part.
The reason people link their bank is to avoid typing. Voice Sheet removes the typing instead:
Bank-linked apps vs Voice Sheet
| Typical bank-linked budgeting app | Voice Sheet | |
|---|---|---|
| Bank credentials | Shared with an aggregator | Never asked for |
| Where your data lives | The app's servers | Your Google Sheet (or only your phone) |
| Cash and foreign spending | Often missed | Logged like anything else |
| Works in any country | Only with supported banks | Yes — no bank needed |
| Effort per expense | Review imported transactions | Speak or jot one line |
| If you stop using it | Export what the app allows | Your sheet stays as it is |
New to Voice Sheet?
Private by design, fast by habit.
Voice Sheet adds rows to your Google Sheets by voice, from a pasted list or a home screen widget. Use a free template like Personal Finances with its budget dashboard, or connect a spreadsheet you already keep.
How Voice Sheet handles your data →FAQ
No-bank questions
Is there an expense tracker that doesn't connect to my bank?
Yes. Voice Sheet has no bank-connection feature at all. You log expenses by voice, note or form, and each one is saved to a Google Sheet you own or kept only on your phone.
Does Voice Sheet use Plaid or any other aggregator?
No. It never connects to banks, cards or aggregators, so there are no financial credentials to store or share.
Isn't manual expense tracking too much work?
Not when an entry takes one sentence. Speak it, paste a list into Quick Capture, or use the home screen widget — and set reminders for anything that repeats.
Can I still see totals and budgets?
Yes. The Personal Finances template includes a monthly budget dashboard that compares spending to your budget for each category.
What does Voice Sheet ask permission for?
Google Sheets access at the level you choose, plus microphone and notifications only if you turn on voice entry or reminders.
Track it all. Share nothing.