Getting started

1. Create a book

A book is your whole financial world — accounts, transactions, budgets, the lot — stored in one encrypted file on your device. Open the app, choose Create a new book, give it a name and a password, and you're in. You can keep several books (e.g. Personal and Household) and switch between them.

Your password encrypts the book. There's no "forgot password" reset — if you lose it, the data can't be recovered. Keep a copy somewhere safe, and use Back up (below).

Want to explore first? Toggle Pre-fill with sample data when creating a book to start with a realistic demo you can poke at and delete later.

2. Add accounts

Add your real accounts — checking, savings, credit cards, cash, assets. Each account has a type, a currency, and an opening balance. The account list shows a running total per account and a book-wide total.

3. Record transactions

Add income and expenses, categorise them, and split a single transaction across several categories when needed. Move money between your own accounts with a transfer. As you type a payee, the app pre-fills the category and amount you used last time.

4. Budget & review

Set monthly (or weekly/yearly/custom) budgets per category and watch the budget bars track your spending through the period. The Reports tab covers spending by category or payee, net worth over time, profit & loss, budget vs. actual, and cash flow — each filterable by date, account, and more.

5. Reconcile

When your statement arrives, reconcile an account to confirm your records match the bank, marking transactions cleared and catching anything missing.

6. Back up

Export your book to a single JSON file from Settings → Back up. That file is your portable, restorable copy — keep it somewhere safe. You can restore it into a new book any time.

Next

• Sharing a book across devices? See Collaboration.
• Curious how your data is protected? See Privacy & security.
• Stuck on something? The FAQ probably covers it.