I Built an Expense Tracker That Never Leaves My House

Every expense tracker I tried wanted the same thing: connect your bank account. Mint. YNAB. Copilot. They all promise convenience in exchange for read access to your financial life. Every transaction. Every merchant. Every pattern of spending that reveals where you go, what you buy, who you&rsquo;re with. I didn&rsquo;t want convenience. I wanted to know where my money goes without telling a…