A Ledger You Can Keep for Years
Most budgeting apps do not survive three months: entry is tedious, or the data ends up locked in someone else's system. We want a ledger you can actually keep - entry as automatic as possible, and a full export whenever you ask.
What It Will Do
One View Across Accounts
Bank cards, credit cards, cash and investment accounts side by side, with net worth charted month by month instead of totalled by hand.
Automatic Categorisation
Imported statements are sorted by rule, and a category you correct once is remembered, so it gets easier the longer you use it.
Anomaly Alerts
When a spending category drifts well off its usual range you hear about it then, not when you reconcile at month end.
Your Data Can Leave
Its own database and backup policy, with a complete CSV export on demand. No lock-in of any kind.
About This Product
Is my financial data safe on your servers?
Personal Finance uses a database and backup policy fully isolated from every other product, and its sessions are separate from the main site, so trouble elsewhere cannot reach it. A local export is always available, so a copy of your data stays with you.
Will it sync my bank transactions automatically?
The first version supports statement import (CSV / Excel) and manual entry. Automatic sync depends on each bank's interface and authorisation, so we will assess it once the core need is proven.
Will it cost anything?
We plan a free tier generous enough for everyday personal use, with multi-account and long-range analysis likely in a paid tier. Exact pricing will be published before launch.