Bring the history
Statement imports carry years of rows in with their dates, amounts and currencies intact. Or start clean this month and keep the old file as the archive.
Every account, every currency, everyone in the house
No bank app can tell you what you are actually worth.
A bank shows one account. It cannot see the account at the other bank, the salary that lands in another name, the investments, the flat, or the mortgage against it. Put all of it in one place and the answer is a single figure, checked against the real balances every month.
Download on the App StoresoonSee the pricing
Free to start. Your ledger stays yours.
Net worth · USD+19%12 mo
268,430
Reconciled 10 Aug. Difference 0.00.
147,073 → 268,430 · 2024–2026
What it adds up from
- Current and cash3%
- Savings31%
- Investments7%
- Property59%
Savings · EUR
96,400
= USD 105,558 in base
Mortgage
(67,343)
Checked against the bank every month. 0.00, or it says so.
Thirty currencies, one figure.
Five years of the maker's own ledger behind it.
The balance sheet
A net worth figure that had to match the bank.
Everything the household owns and everything it owes, on one page, converted into the currency you think in. It is not a number anybody typed in. It is worked out from the accounts themselves, and it has to match the bank before it counts.
What it doesOwns
- Current and cash9,730
- SavingsEUR105,558
- Investments24,022
- PropertyEUR196,463
- Total335,773
Owes
- MortgageEUR(67,343)
- Total(67,343)
Net worth268,430
Every currency. One number.
Balances held in one country, a mortgage registered in another, and income that arrives in a third. Each account is kept in the currency it is actually denominated in and translated into the base currency you choose, so every total is stated on the same basis, month after month.
How it works
Four steps. Twenty minutes a month once it is running.
- SalaryText+5,300
- GroceriesText(186)
- Current → SavingsImport2,900
- RestaurantTyped(64)
- MortgageTyped(640 EUR)
- In the app6,240.00
- At the bank6,240.00
- Difference0.00
Matched
Income statement
In8,750Out(7,755)Left995
Balance sheet
Owns335,773Owes(67,343)Net worth268,430
Net worth, 32 months
LedgerCategoriesReconcileNet worth
01
Get the transactions in
Forward the confirmation text the bank already sends and it is read automatically, then held for approval before anything moves. Import the statement your bank exports, or the file from your broker. Or type the amount in four seconds. Connecting a bank directly is not built yet.
02
Set the categories once
Committed, living, chosen, one-offs. Four groups cut by how hard the money is to change, not by which shop it went to. The first weeks are worth the attention. After that there is enough history behind it that new transactions arrive already sorted, and the job is correcting the odd one.
03
Check it against the bank
Once a month, type in what each account really holds. If it agrees, everything is in. If it does not, the size of the difference tells you what to look for.
04
Read the result
What came in and what went out. What the household owns and what it owes. And the net worth line, month after month.
Beyond the bank account
Money is only part of what you own.
The flat, the car, a portfolio you rarely look at, gold sitting in a drawer. On the other side, the mortgage, the car loan, the card you are still paying down. Both belong on the same page, because owning a house you owe most of is not the same as owning it.
What you can put on the left
- Property
- Vehicles
- Investments
- Stocks
- ETFs
- Crypto
- Metals
And on the right
- Mortgage
- Car loan
- Credit card
- Personal loan
For two
One ledger, two names on it.
Most money apps are built for one person, with a second allowed to look. This one starts from the household. Every account carries its owner, a transaction belongs to a person or to the house, and who sees what is up to the owner. The figure at the bottom is the same for both.
See the Household tierSCurrent accountCards
VCurrent accountBroker
SVSavings, held together
One net worth, both names.
Leaving the spreadsheet
Moving out of Excel takes an afternoon.
Name the accounts
Each account is named once and given its currency. That is the whole setup.
Invite the household
From then on there is one ledger instead of one file. It gets checked against the bank, not against memory, and nobody emails a spreadsheet to anybody.
Prefer the spreadsheet after all? It exists, and the basic one is free.See the spreadsheet →
What it is built on
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.
Simple households and complicated ones
One current account in one currency, or accounts in three countries with a mortgage somewhere nobody lives any more. Same ledger, same balance sheet, same monthly reconcile.
Accounting, not gamification
No streaks, no badges, no confetti. An income statement and a balance sheet that reconciles.
Twelve months, and one of them below the line. Aug cost more than it earned, and the ledger simply says so.
Latest
Two tracks: how to keep a household ledger well, and how to get the most out of the app.
App guides
Getting your investments in without typing them
How Cifrea reads a broker statement PDF, why it records a month-end value rather than a live price, and what to do if your broker lays the page out differently.
Money habits
Tracking a mortgage properly: capital, interest, and what a house really costs
Booking the whole payment as an expense overstates what your home costs, by a share that changes every year. Here is the split, and what else it costs.
Money habits
What your savings rate actually is
Almost everyone computes it wrong, and two mistakes account for nearly all of it. Here is the definition that survives contact with a real ledger.
Money habits
The monthly reconcile: twenty minutes that make every number true
A ledger nobody checks against the bank is a story about your money, not a record of it. What reconciling is, when to do it, and what a gap means.
Pricing
One price, in your currency.
Keeping one account is free for as long as you want it. Adding the rest of the household, the property, the investments and the debt is what the paid tiers are for.
Free
One account, one person. Money in, money out.
Free
- One account
- Income and expenses, categorised
- Monthly totals and a spending breakdown
- Export everything to CSV or JSON
Plus
One person, nothing held back.
$59 / year
$4.92 a month, billed yearly. Or $6.99 month to month.
€59 / year
€4.92 a month, billed yearly. Or €6.99 month to month.
AED 219 / year
AED 18.25 a month, billed yearly. Or AED 25.99 month to month.
₹2,399 / year
₹200 a month, billed yearly. Or ₹299 month to month.
- Unlimited accounts, in any currency
- Property, investments, metals and vehicles
- Mortgages, loans and credit cards
- Balance sheet, net worth and reconciliation
- Bank, statement and broker import
Household
RecommendedEverything in Plus, for up to four people.
$99 / year
$8.25 a month, billed yearly. Or $10.99 month to month.
€99 / year
€8.25 a month, billed yearly. Or €10.99 month to month.
AED 369 / year
AED 30.75 a month, billed yearly. Or AED 42.99 month to month.
₹3,999 / year
₹333 a month, billed yearly. Or ₹449 month to month.
- Up to four people on one ledger
- Each transaction belongs to a person or to the household
- Who sees what is up to the owner
- Every phone, tablet and Mac stays in step
Household, for life
No limit on people, paid once, and every update for as long as the app exists.
$599 once
One payment. Nothing renews.
€599 once
One payment. Nothing renews.
AED 2,199 once
One payment. Nothing renews.
₹21,999 once
One payment. Nothing renews.
- Everything in Household
- No limit on how many people share the ledger
- Every future update included
Why pay for this at all?
Free money apps are paid for somehow, usually with the data. Here the household pays, so the household is the customer: no ads, nothing sold on, and the ledger exports whole whenever leaving looks better. How the data is handled →
Showing United States pricing.Showing Eurozone pricing.Showing UAE 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.