A system beats a budget
A budget is a promise about the future. A ledger is a record of the past, and the past does not argue with you.
Household finance, properly kept
Know exactly where your money stands.
An income statement, a balance sheet and a net worth line for a household, across countries and currencies. Built on five years of running a real ledger, and published as an app, a set of spreadsheets, and everything we learned along the way.
Coming to the App Store See the pricing
Free to start. Your ledger stays yours.
Net worth · AED +4.2%
651,735
Reconciled 31 Jul. Difference 0.00.
Savings · EUR
96,400
= AED 386,240 in base
Mortgage
(248,610)
The balance sheet
Net worth you can actually trust.
Everything you own and everything you owe, on one page, converted into the currency you think in. Not a number you typed. A number that falls out of the arithmetic once the accounts reconcile.
What it doesNet worth · AED
651,735
This month +3,700
Every currency. One number.
Accounts in one country, a mortgage in another, and a salary that arrives in something else again. One base currency, one balance sheet, and a figure that means the same thing every month.
How it works
Four habits. Twenty minutes a month once it is running.
- Salary +31,000
- Groceries (842)
- Current → Savings 5,000
- Restaurant (215)
- Mortgage (4,180)
- In the app41,200.00
- At the bank41,200.00
- Difference0.00
Matched
Net worth
651,735
This month +3,700
Ledger Categories Reconcile Net worth
-
01
Record everything
Income, expenses, and the transfers between your own accounts that most people never track. Type them, or import a statement and let the rules sort it.
-
02
Categorise by control
Committed, living, chosen, one-offs. Eight buckets cut by how hard the money is to change, not by which shop it went to.
-
03
Reconcile every month
Type in what the account really holds. The gap is the size of what is missing, and it tells you what to look for.
-
04
Read the result
An income statement, a balance sheet and a net worth line. Calculated, reconciled, and true rather than approximately true.
Reconciliation
The gap tells you what is missing.
Type in what the account really holds. If the figures differ, the size of the difference is the clue: a round number is usually a transfer you recorded as spending, a small one is a single missing row.
Matched
Three things this is built on
Built for people who moved
Several currencies, accounts in more than one country, a mortgage somewhere you no longer live.
Accounting, not gamification
No streaks, no badges, no confetti. An income statement and a balance sheet that reconciles.
Latest
Two tracks: how to keep a household ledger well, and how to get the most out of the app.
Tracking net worth across several currencies
If you hold money in more than one currency, your net worth moves every day for reasons that have nothing to do with you. Here is how to separate what you did from what the exchange rate did, and why that one split makes the number usable.
9 min read
Your first week: what to set up, and in what order
Most people set up a finance app in the wrong order, end up with a screen full of numbers that do not reconcile, and quietly stop. Here is the sequence that works, and why each step has to come before the next.
5 min read
How to categorise expenses so the data is actually useful
Most category lists are built to describe the past. A useful one is built to answer a question you will actually ask. Seven rules from five years of keeping a household ledger.
9 min read
Pricing
One price, in your currency.
The ledger itself is free and stays free. Everything a household with more than one currency needs sits in one subscription, priced for the region you live in.
Free
One person, one currency. Enough to run a household properly.
Free
- Unlimited accounts and transactions
- Income statement and balance sheet
- Net worth, tracked over time
- Export everything to CSV or JSON
Household
Most take thisTwo people, several currencies, property and a mortgage.
AED 199 / year
AED 16.58 a month, billed yearly. Or AED 24.99 month to month.
€49 / year
€4.08 a month, billed yearly. Or €5.99 month to month.
$49 / year
$4.08 a month, billed yearly. Or $5.99 month to month.
₹1,999 / year
₹167 a month, billed yearly. Or ₹249 month to month.
- Everything in Free
- Multi-currency accounts and transfers
- Two people, one shared ledger
- Statement and broker import, with category rules
- Property and mortgage tracking
- Reconciliation that finds the gap
Household, for good
The same thing, paid once. For people who would rather not rent software.
AED 549 once
Pays for itself in about three years.
€139 once
Pays for itself in about three years.
$139 once
Pays for itself in about three years.
₹4,999 once
Pays for itself in about three years.
Showing UAE pricing. Showing Eurozone pricing. Showing United States pricing. Showing India pricing. Prices are charged in the currency of your App Store account, and the store sets the exact local amount. No account, no card details and no personal data ever leave the device to reach us.