Budgets with buckets
Split every budget into Income, Expense and Savings buckets and see how each one is tracking.
Privacy-first budgeting
Budgeting that never touches your bank login.
Upload the OFX or QFX files you download from your bank, and KernelCash handles the rest. No bank linking, no selling your data, and one plan with every feature.
1-month free trial · No bank linking
- No bank linking
- Never sells your data
- Raw files deleted after import
- No trackers on this site
Everything in one plan
A complete budget, built from files you control.
Upload a file, we handle the rest. Then plan, track and share without handing over a bank login.
OFX and QFX uploads
Import the files your bank already offers. Accounts are created from the file for you.
Goals with rollover
Set weekly, monthly or yearly goals that roll over into the next period on their own.
Analytics
A cashflow overview plus income, spending and savings trends over time.
Shared Spaces
Invite unlimited collaborators to a Space at no extra cost.
Next budget, created for you
When a budget period ends, the next one is created from the previous one, so you never start from scratch.
Why KernelCash
Privacy first, then price.
01 · No bank connection
You upload files you download yourself.
KernelCash never asks for your bank credentials and never connects to your bank. You stay in charge of what comes in and when.
- OFX and QFX files from your bank’s website
- No bank passwords, ever
- Institutions and accounts created from the file
02 · We keep the minimum
No routing numbers. No full account numbers.
At most, KernelCash keeps the last 4 digits of an account number, and only if you opt in. Your raw import files are deleted once they are processed.
- Last 4 digits only, and only with your permission
- Raw files deleted after import
- We will never sell your data
What KernelCash stores from a file
- Transactions, with their institution and account
- Last 4 digits of the account number, if you allow it
- Routing number
- Full account number
- The raw file, after processing
03 · One plan
Everyone gets everything.
There is a single plan with every feature included. No tiers, no paywalls and no upsells for the tools you need to budget.
- Every feature included
- 1-month free trial
- Unlimited collaborators in a Space
Pro
$7.99/month
or $69.99 a year, which works out to $5.83/mo
How it works
Three steps from bank file to budget.
No connections to set up and nothing to re-authorize. Just a file you already have access to.
Download OFX or QFX from your bank
Sign in to your bank’s website and download your transactions as an OFX or QFX file. No bank login ever reaches KernelCash.
Upload it
Drop the file into KernelCash. It is processed in the background, and duplicates are skipped automatically.
Budget and track
Assign transactions to your Income, Expense and Savings buckets, and watch your cashflow and goals take shape.
Compare
How KernelCash stacks up.
KernelCash leads with privacy: it never connects to your bank.
| App | Monthly price | Connects to your bank | Selling your data |
|---|---|---|---|
| KernelCash | $7.99 | Never. No bank connection exists. | Never sells your data |
| YNAB | $14.99 | Optional | See vendor policy |
| Monarch Money Core | $14.99 | Optional | See vendor policy |
| Copilot Money | $13 | Optional | See vendor policy |
Prices in USD as listed on each vendor’s own site as of . See the full comparison and sources.
YNAB, Monarch Money, Copilot Money, Quicken Simplifi and EveryDollar are trademarks of their respective owners. KernelCash is not affiliated with or endorsed by them.
Pricing
From $5.83/mo billed yearly, or $7.99 monthly.
One plan, every feature, and a 1-month free trial. A card is required to start your trial.
Questions, answered.
The short version of what people ask most. See the full FAQ for more.
Still have questions? Email support@kernelcash.com
Does KernelCash connect to my bank?
No. KernelCash has no bank connection at all: no Plaid or other aggregators, and no bank passwords. You download a transaction file from your bank's website and upload it to KernelCash.
What files can I import?
KernelCash imports OFX and QFX files. Most banks and credit unions offer one of these formats as a download on their website.
Do you store my account numbers?
No. KernelCash never stores routing numbers or full account numbers. At most it keeps the last 4 digits to help you tell accounts apart, and only if you allow it in the Data Collection setting.
How much does KernelCash cost?
There is one plan, Pro, at $7.99 a month or $69.99 a year. The yearly plan works out to $5.83 a month and saves 27%. Every feature is included.
Is there a free trial? Do I need a card?
Yes. Both the monthly and yearly plans start with a 1-month free trial. A card is required to start your trial.
Take control of your budget, not your bank login.
Start with a 1-month free trial. Every feature is included from day one.
- 1-month free trial
- No bank login
- Every feature included