RationalBit is a one-person studio building private, Apple-native apps. No trackers. No ad SDKs. No accounts you didn't ask for — and in Money Map's case, not even a bank login.
The apps
Each one solves a problem I actually had, and each one is built so that your data never has to leave your own devices.
Budgeting that never asks for your bank login.
Money Map is a personal budget for iPhone and Mac that works without connecting to your bank. No Plaid. No account. No password. You import the file your bank already gives you — or type it in — and your data stays in your own iCloud.
Stop guessing. Stop burning.
UV Buddy watches the UV index so you don't have to. It runs a background timer per person, tuned to their Fitzpatrick skin type and SPF, and taps them when it's time to reapply or get out of the sun.
A journal between you and God.
Not a generic verse of the day. You write a worry, a praise or a question, pick how you're feeling, and Walk With Jesus finds scripture that meets what you actually wrote — then reads the whole chapter with you.
Guides
Practical guides to the questions people actually ask about budgeting without a bank connection — written to be useful whether or not you ever install anything.
QFX files won't open on iPhone — unless you have the right app. Three ways to read a .QFX, convert it to CSV, or import it straight into a budget.
Read the guideYou can budget without ever connecting your bank. Here's how manual entry and file imports actually work — and the private iPhone app that does both.
Read the guideDownload a CSV or QFX from your bank and import it — skip both hand-typing and bank logins. A step-by-step walkthrough, including column mapping.
Read the guideMoving off Quicken? Export your .QFX transactions and import them into an iPhone and Mac budget app with no bank sync — your data in your own iCloud.
Read the guideThe 50/30/20 rule only works if your app budgets by percentage, not fixed dollars. Here's how to set it up on iPhone in about five minutes.
Read the guideFAQ
Yes. Money Map has no bank connection at all — no Plaid, no Yodlee, no login. You either type transactions in or import a file you downloaded from your own bank. The honest trade-off is that balances don't refresh by themselves; if you want zero effort, a bank-linked app will suit you better.
How to budget without a bank loginYes, with the right app — despite what most search results say. Money Map imports .QFX files directly on iPhone and Mac with no field mapping. A QFX is Quicken's flavour of the OFX format: a plain-text file of transactions that most software simply refuses to read.
How to open a QFX file without QuickenMostly, yes — but security and privacy are different questions. Reputable aggregators are genuinely secure and don't hand your password to the app developer. What you're really agreeing to is that a third party keeps a copy of your transaction history. If that's the part you object to, you want an app with no connection at all.
Budget apps that don't use PlaidIt depends what you're actually leaving Quicken for. If you need investment tracking, tax reports or double-entry accounting, a desktop tool like GnuCash or Moneydance is a better landing spot. If you want your budget and your transaction history on your phone, Money Map imports the same .QFX files your bank exports for Quicken.
Leaving Quicken for iPhone and iPadSeveral, but check one thing first: can it budget by percentage rather than a fixed dollar amount? If not, you'll be recalculating three numbers by hand every time your income changes. Money Map supports percentage-based distribution per category, so the rule re-allocates itself.
How to run a 50/30/20 budgetDownload a CSV or QFX from your online banking (usually under Statements → Download), then import it. CSV needs you to map the columns once, because every bank orders them differently; QFX is self-describing, so it needs no mapping at all.
Importing a bank statement, step by stepNo. There's no advertising SDK and no cross-app tracking in any of them. Money Map has no account to create and stores your financial data in your own iCloud; Walk With Jesus keeps journals local-first with encrypted iCloud sync and no personal data in analytics.
Carlos Garcia — one developer, working directly on every app. That's why these apps are opinionated about privacy and why you can email a real person and get an answer.
Money Map is free for your first 100 transactions. No account, no email, no bank connection.
Free for up to 100 transactions. Unlimited transactions require a subscription.