Accounts
Eight kinds of assets and liabilities in one place: bank deposits, cash, wealth products, brokerage, crypto, housing fund, credit cards, loans. Debts are stored positive and shown negative — net worth is subtracted, not summed.
Record what each account holds right now, see your net worth clearly — and see how it became what it is today.
A state tracker, not an expense tracker.
It doesn't ask what you spent today. It asks what you have now.
Add up every account balance, subtract what you owe. One number, visible any time.
Net worth went up by 20,000 — was that a paycheque, or did your holdings gain? Those mean completely different things, yet on a balance they look identical.
Answering the second question takes change attribution — every balance change has to say where it came from. That's the line between this and an expense tracker: an expense tracker records where your money went. This records how your net worth changed.
In all three cases below, the change in net worth looks nearly identical on a balance sheet. Telling them apart is exactly what this tool does.
That's why the attribution field only ever offers a suggestion, never a default. An amount can be guessed — a wrong guess is visible. Attribution can't — a wrong guess is invisible.
No budgets, no receipt scanning, no social feed. Anything added has to first answer: which problem does this solve?
Eight kinds of assets and liabilities in one place: bank deposits, cash, wealth products, brokerage, crypto, housing fund, credit cards, loans. Debts are stored positive and shown negative — net worth is subtracted, not summed.
Snapshots are keyed by day, not month. You don't update on a schedule, and rolling up by month erases when things actually changed. Curve, range metrics and range attribution all live on one page.
Update every account on one screen. Pick "transfer" on one row and the counterparty row locks itself — that money has already been counted once, and filling it in again would record it twice. Both records would be individually valid, which is precisely why you'd never find the error later.
Stale accounts and repayment dates, via system local notifications. This tool's accuracy equals your update frequency — so a reminder you only see after opening the app isn't a reminder.
This is a tool one person wrote for himself, so there has never been a server side to it.
Which is why the edit-account screen deliberately has no balance field. Change a number outside that flow and the reason for the change is gone, and attribution with it. That's design, not an oversight.
Category colours mark categories and are never used on an amount; red belongs to debt alone. Tinting account cards with real bank brand colours was tried once — one bank's red collided with the debt red, and a savings card looked like a pile of debt. That whole version was pulled.
Transfers and repayments enter no attribution bucket. Moving money from your left pocket to your right doesn't make you richer — and if this rule slips, your own transfers inflate your return rate while the totals stay perfectly correct, with nothing to hint at it.
Installed on the developer's own iPhone, running real data. Home, accounts, trend, balance updates, bulk updates, import/export, Face ID and local notifications are all in place.
There's no public build. A beta round is being prepared, and Android comes after iOS. The plan is to keep using it for a while first, collect the problems real use turns up, and only then talk about shipping it.
Want to try it, or have something to say