You can create account or can use without creating account.By creating account you will get benifit of login from any devices and checking/editing your data and use app.But as a guest user you will only be able to use that app in that particular device.

You can add your daily transaction with category and proper description and you can check in on the app and you can check your balance on the transactions you have made.

You also have option of reminder,lock for security purpose and support for your query.