Spendhog is a household budget app with no bank connection. You, or a CSV import, record what happened, and it explains why the month went the way it did: what changed, what was a one-off, and whether you can still afford what you are saving for. A health score you can take apart, forecasts that say how sure they are, budgets for bills that are not monthly, goals tied to real balances. Up to 3 people per household, CHF, EUR and USD. Built in Switzerland.
