Manual money tracking

See what you owe — and what’s left.

Bills, everyday spending, cards and loans in one calm place. You enter the numbers. No bank login, no noise.

No bank connection
Takes a minute to start
Your numbers stay yours

This month

A glance, not a spreadsheet.

Preview

Left this month

£1,240

Income minus bills and extra spending.

Income £2,850

Bills £1,180

Spent £430

Rent

Due 1 Sep

Upcoming

Phone

Paid 12 Aug

Paid

Weekly shop

Today · Groceries

£64.20

What it does

Everything that pulls on your money, in one picture.

Built so you can quickly see what is due, what you have spent, and where it went — without turning money into a second job.

Bills that repeat

Rent, phone, Netflix. We put each one on your pay list and keep history when you mark it paid.

Everyday spending

Add a shop, a coffee, a tank of petrol in seconds. Press N from anywhere once you are in.

Cards, loans, and what you own

Utilisation bars, estimated payoff, savings pots, stocks and retirement plans you list yourself — clearly labelled as estimates, not advice.

A month on a calendar

Colour-coded payments and one-offs, so the week ahead is obvious before it arrives.

Budgets that speak plainly

Per category or overall. Bars turn from calm to warning to exceeded — no jargon.

Insights when you want them

Charts, monthly reports, and optional AI summaries from your own numbers — never financial advice.

How it works

Three things. Then the picture fills in.

First

Create an account

A name, an email, a password.
Then

Add a bill or some spending

Whatever you last paid for is enough. Recurring bills generate the next twelve months.
Now

See due, spent, and remaining

Home, calendar and this-month overview keep the same story, just from different angles.

The picture

Fintech calm, not accounting clutter.

59finance is for people who want a clear month — not a second ledger. Money is stored as pence, bills do not double-book themselves, and estimates are labelled as estimates.

You type the numbers. We never ask for a bank login.
Pay a bill and the linked expense is recorded in the same step.
Vehicles, cards, loans, savings, stocks and retirement sit beside everyday spending.

Spending this month

Groceries 68%

Transport 42%

Subscriptions 31%

Home 24%

Illustrative only. Your own categories and amounts appear once you add them.

Start with one bill or one receipt.

The rest of the month becomes clearer from there. Free to start, no bank connection required.