Graiden vs Money Manager: Two Ways to Track Without Linking a Bank
Last updated: 2026-10-31
If you don't want to link a bank account, Money Manager by Realbyte and Graiden are both options, and they sit at opposite ends of the effort scale. Money Manager is a long-running manual tracker: you type in each transaction and it builds budgets, account balances and statistics, with double-entry bookkeeping. Graiden reads the bank-alert emails and e-receipts you forward, so purchases get logged without typing.
Quick Comparison
| Feature | Graiden | Money Manager (Realbyte) |
|---|---|---|
| How spending gets in | Forwarded bank-alert emails and e-receipts (manual entry also available) | Manual entry |
| Bank login needed | No | No |
| Price | Free; Pro US$24.99/yr or US$2.99/mo | Free with ads; paid iOS version S$8.98 one-time; optional sync US$19.99/yr or US$2.49/mo |
| Free version limits | 7 days of automatic reading, 1 budget, 3 months of insights; unlimited manual entry | Ads; up to 10 accounts on iOS |
| Accounts and balances | No (tracks spending only) | Yes, double-entry accounts |
| Platforms | Web, Android | iOS, Android, plus a PC editor over Wi-Fi |
Where Money Manager Is Better
Money Manager is cheap and proven. On the Singapore App Store the free version is rated 4.79 from over 5,000 ratings, and the ad-free version is a one-time S$8.98 rather than a subscription. It tracks accounts and balances with double-entry bookkeeping, has a native iPhone app, and lets you edit your data on a PC over Wi-Fi. If you enjoy logging by hand, it's hard to beat on price.
Where Graiden Is Better
Graiden removes the typing. Once your bank's alerts are forwarded (DBS/POSB, PayLah!, UOB, OCBC, Standard Chartered, Citi or Trust) and your e-receipts too, each purchase is logged and categorized for you. That matters if you've given up on a manual tracker before because you stopped logging. Like Money Manager, Graiden never needs your bank login.
Which Should You Pick?
Pick Money Manager if you're disciplined about logging, want full account balances, and prefer a one-time purchase. Pick Graiden if you want your card and bank spending logged automatically without linking a bank; Pro is US$24.99 a year or US$2.99 a month, after 7 days of free automatic logging.
Graiden at a Glance
Graiden
Expense tracker that reads your bank-alert emails and e-receipts, with no bank login
Strengths
- On Pro (and free for the first 7 days), no typing: forwarded bank alerts and e-receipts are logged and categorized for you (unlimited)
- No bank login or account linking, on any plan
- Reads Singapore bank alerts from DBS/POSB, PayLah!, UOB, OCBC, Standard Chartered, Citi and Trust
- Works with any email provider and any purchase receipt
Limitations
- Free plan reads forwarded emails automatically for only the first 7 days; after that it's manual entry unless you pay for Pro
- No bank sync: it only sees purchases that send an alert email or e-receipt, so cash needs manual entry
- Web and Android apps only; no iPhone app on the App Store (on iPhone you use the web app)
Money Manager (Realbyte) at a Glance
Money Manager (Realbyte)
Long-running manual expense and budget app for iOS and Android
Strengths
- No bank login needed
- One-time purchase removes ads on iOS (S$8.98 on the Singapore App Store)
- Double-entry accounts, budgets and detailed statistics
- Edit data on a PC over Wi-Fi
Limitations
- Every transaction is entered by hand; nothing is captured automatically
- Free version has ads and an account limit (10 on iOS)
- Cloud data sync is a separate subscription
The Verdict
Money Manager is the better value for people who like manual bookkeeping. Graiden is better if the reason you've dropped trackers before is the daily typing, since it logs purchases from the alerts and receipts you already get by email.
Common questions
Does Money Manager sync with my bank?
How much is Money Manager?
Can Graiden replace manual entry completely?
Expense tracking that does itself
Set up auto-forwarding once and every purchase is logged and sorted for you. No bank login, no typing, no spreadsheets. Free to start.
