What it does
Neontra combines personal account tracking with category budgets, transaction splits, tags and household sharing on the web, iOS and Android. Budget comparisons can use a fortnight, month, quarter or year. A continuing free plan supports manual accounts, while Premium adds automatic institution connections.
Set category targets yourself or begin with an estimate from past spending. In Budget, the Actual column shows recorded income or spending for the selected period. Target can be a historical average, your custom forecast or an explicit budget target. Remaining shows the difference between the target and the actual amount.
Inspect the transactions behind a total
Expand a category to see its transactions, or switch between Categories, Targets and Transactions. Use the date picker and period selector to narrow the comparison. Split Transaction divides a mixed purchase into separately categorized parts. Marking an unusual purchase as One-off excludes it from the historical average, so it does not inflate a typical spending estimate.
Accounts can be created manually and populated with OFX, QFX or CSV files from a bank or broker. Premium connections normally synchronize once per day. Check Personal Info for connection status and suggested next steps when an account is not updating.
Free use and Premium
The lasting Free plan supports manual account tracking. Premium is offered on monthly and annual subscriptions and allows unlimited financial-institution connections. A trial is available without entering card details.
Neontra uses an account with a username, email and password. In Login and Security, you can enable a second verification step that sends a code to your email.
Strengths
- Budget comparisons support fortnightly, monthly, quarterly and yearly periods.
- Preferences offers home-currency, language and appearance controls.
Watch out for
- Automatic institution connections require Premium.
- Connected accounts normally synchronize once per day.
Best for
- Households comparing category spending across different pay cycles
- People who want manual imports and connected accounts in the same finance service
Sources
- Neontra category targets, periods and household records (Oct 27, 2026)
- Neontra free manual plan and paid connection access (Oct 27, 2026)
- Neontra actuals, targets, one-off transactions and date controls (Oct 27, 2026)
- Neontra statement imports and daily connected-account refresh (Oct 27, 2026)
- Neontra account login, security and connection-status controls (Oct 27, 2026)
- Neontra browser and mobile platforms (Oct 27, 2026)
- Neontra publisher's US app listing and trial offer (Oct 27, 2026)