One person, one ledger
Know what you can still spend this month
Plan your month, record what happens, and see what is free to spend.
Month
September 2026
- Balance
- €2,140.35
- Free-spend budget
- €680.00
How it works
Three steps, one month at a time.
- 1
Plan your month
Set the planned income, planned expenses, and planned investments you expect this month.
- 2
Record what happens
Add extra income and surprise expenses, and mark a plan item done when the money moves.
- 3
See what's free to spend
The balance and the free-spend budget follow the records that remain.
Features
What the ledger keeps for you.
Free-spend budget
One amount still free to spend this month, from the plan, extra income, and surprise expenses.
Recurrences
Rent (1/12) … (12/12): the same amount each month, with the position on the description.
Investment forecasts
Each planned-investment category has a forecast from the invested total, adding a monthly contribution with no interest until a goal.
Banks and categories
Every record has a bank and a category. The balance and the free-spend budget stay one figure for the whole ledger.
Euro, Brazilian real, and US dollar
The ledger uses one currency: euro, Brazilian real, or US dollar. A new ledger starts in euro.
Privacy
Each user has a data key of their own. Amounts are encrypted with that key before they are stored, so a database leak alone does not reveal the amounts.
Descriptions stay in plain text, and a leak can show those labels. The application decrypts amounts when it calculates the balance and the free-spend budget.
Create your ledger
Sign in if you already have a ledger.