Enter balances and transactions manually
Create the accounts you want to plan with, enter a current balance, and add individual transactions without granting a bank-data provider access.
Manual control | Included on Rubato Free
A free budget app without a required bank connection.
Start with the data you choose. Enter accounts and transactions manually or privately import CSV, OFX, and QFX statement exports, then plan irregular income without linking a financial institution.
Choose how data enters the plan
Manual when you want it. Faster when you have a file.
Manual entry and statement imports lead to the same reviewable transaction history. Neither workflow requires connected-bank sync.
Import a statement export
Choose a CSV, OFX, or QFX file exported by your bank or card issuer. Rubato reads the selected file in your browser.
Review before anything is saved
Check parsed dates, amounts, descriptions, transfer handling, and possible duplicates. Save only the transactions you confirm.
Turn confirmed activity into a plan
Use confirmed income and spending with current balances, dated bills, and expected income to build an irregular-income baseline and forward cash-flow view.
Supported statement formats
Import the export your institution provides.
Each import is limited to 2 MB and 2,000 rows. PDF statements are not supported. Review the parsed transactions before saving them.
| Format | Typical use | What you confirm |
|---|---|---|
| CSV | Spreadsheet-style transaction export | Confirm the date, amount, description, and account mapping |
| OFX | Open Financial Exchange statement export | Review parsed transactions and account details |
| QFX | Quicken-compatible statement export | Review parsed transactions and account details |
Clear privacy and product boundaries
Know what happens before you add financial data.
Rubato saves transactions you confirm, not the source statement file. Connected-bank synchronization remains available on paid plans if you later decide that convenience is worth adding.
- Create accounts and set current balances
- Enter transactions individually
- Import CSV, OFX, or QFX statements
- Build budgets, goals, debt plans, and forecasts
- Use seven months of visible history on Rubato Free
- No PDF statement imports
- 2 MB and 2,000 rows per imported file
- A forecast also needs current balances and future events or confirmed patterns
- Optional bank synchronization requires a paid plan
- Rubato does not move money or make payments
Review Rubato's privacy policy, security information, and complete feature catalog before choosing the workflow that fits you.
Common questions
Budgeting without connected-bank sync.
Can I use Rubato without connecting a bank?
Yes. Rubato Free lets you create accounts, enter balances and transactions manually, or import CSV, OFX, and QFX statement exports. A bank connection and payment method are not required.
Does Rubato upload or keep my original statement file?
Rubato reads the selected statement file in your browser and saves only transactions you confirm. It does not retain the original statement file.
Which statement formats can I import?
Rubato supports CSV, OFX, and QFX files up to 2 MB and 2,000 rows per import. PDF statements are not supported.
Can I connect a bank later?
Yes. Connected-bank synchronization is an optional paid-plan feature. You can begin with manual entry or statement imports and decide later whether synchronization is useful.
Start with manual control
Build a plan before connecting anything.
Start on Rubato Free, add only the information you choose, and upgrade later only if connected synchronization becomes useful.