Personal accounting, made simple.

Every penny accounted for

Powered by true double-entry accounting: every transaction records where the money came from and what it was spent on, so your records are always accurate.

100% private

No account setup, no background analytics, no servers of any kind. Your data only ever goes where you choose to keep it.

Your data. Forever yours.

Everything is stored locally, or on iCloud if you choose, in human-readable plain text files. Zero vendor lock-in, accessible decades from now.

No subscriptions. Ever.

Pay once for Pro features, or use the free core version for as long as you like.

• Balances, with a full account hierarchy you can drill into
• Budgets and spending reports, broken down by category and time period
• A searchable Journal of every transaction, including recurring series
• Charts for trend analysis and forecasts
• Real amortization schedules for loans and mortgages, generated as individually-dated transactions matching how your lender splits interest and principal
• Reports to analyse your income and expenditure
• CSV export, straight to iOS's own Share Sheet
• Smart detection of recurring transactions
• Auto-clear settings for credit cards

Financial Planning

A FIRE Number and Retirement Plan based on your own savings and investment patterns, mortgage overpayment and remortgaging comparisons using your loan's own real amortization schedule, and saved scenarios you can compare side by side.

Withdrawal Strategies

Safe Withdrawal Rate, Guyton-Klinger Guardrails, and Risk-Based Guardrails, backtested against real historical market returns going back decades, so you can see how a downturn would actually affect your spending.

Custom & Synthetic Datasets

Create synthetic market return data sets of your own, complete with booms and crashes, or import your own real historical series.

Allocation

See how your holdings are actually split, and how far that has drifted from the split you're aiming for.

Multi-Account Budgets

Combine several accounts into one shared budget.

Multiple Ledgers

Track a side business or a family member's own accounts side by side with your main ledger.

Stealth Mode

Add transactions with greater privacy, plus more app themes and the ability to favourite more than one chart on your Balances screen.

These are models to help you think things through, not financial, investment, tax, or legal advice. Speak to a qualified, independent adviser before making any real decision based on what you see here, especially anything involving a mortgage, a pension, or retirement income.