Five Things That Make This Feel Different
Built specifically for people leaving Quicken, YNAB, or a hand-built spreadsheet — these are the everyday wins that show up the first week.
Sales Tax Center NEW
One-tap opt-in with 8 state presets (WA · TX · FL · NV · TN · SD · WY · AK). A dedicated Sales Tax dashboard sums every dollar of sales tax you paid this year. Monthly totals, vendor rollups, and a print-ready Schedule A worksheet — feed IRS Schedule A without a shoebox of receipts. Includes a bulk back-fill tool for existing CSV history.
Vendor Manager NEW
One tidy screen listing every vendor in your ledger. Rename “SQ *STARBUCKS #4482” to just “Starbucks” and every expense updates in a single tap. Merge duplicates. Delete typos. Auto-create Vendor Rules so future imports stay clean.
Category Report by Account NEW
Pick any category (or ten), pick any accounts, pick any date range — get a clean, printable breakdown of exactly how much hit each bucket. Perfect for “how much did we really spend on groceries this year?” questions.
AI Receipt Scanner
Snap a photo of any receipt. The vendor, date, amount, and category fill themselves in — no typing. Every scan is saved to your private gallery for warranty and tax-time documentation.
Recurring Transactions
Rent, Spotify, the gym, that streaming service you forgot about — set them up once. They appear every month automatically. Edit anytime; the change rolls forward, never backward.
Bulk Reserve Sweep
Got paid? Split that deposit across every reserve at once — taxes, Christmas, vacation, insurance. Watch the source balance update live. One tap to undo the whole thing.
Smart CSV Import
Importing the wrong CSV into the wrong account is a nightmare to undo. Our import scans the file before you confirm and warns you if the transactions look like they belong to a different account.
Account Quick-Switch
Multiple accounts? Jump between them with a tap from the dashboard. Each one keeps its own categories, expenses, and reserves — but you stay in your flow.
The System That’s Always Worked
The bones of the original Guidebook — translated to your phone, your way.
Monthly planning
A fresh budget every month. Roll the previous month forward, copy a template, or start clean — your call.
Unlimited categories
Groceries, fuel, dog food, giving — organize exactly how you actually spend, not how an app thinks you should.
Reserves & envelopes
Money set aside for taxes, insurance, Christmas, vacation — treated like real money, not just a label. Watch them grow with each contribution.
Multi-account ledger
Checking, savings, credit cards, cash — every account on its own page, every dollar in its right place.
CSV bank import
Export from your bank, drag the CSV in, categorize with one click. No live bank connection, no scraping, no third-party access.
Big-picture reports
A monthly dashboard, an annual review, and printable summaries — all in plain English, not accountant-speak.
Print Center
Tax season, an attorney, a financial advisor — print or email any month, any year, with two taps. Your records on your terms.
Built-in manual
Every screen has a help button. The whole user manual is one tap away — no Googling, no support tickets to learn the basics.
Your data is yours!
One of the reasons we built this in the first place.
No live bank connection, ever
We don’t ask for your bank password and we don’t talk to your bank. CSV in, control yours. The way it should be.
Daily auto-backups
Your data is backed up daily and kept for 30 days. Export the whole thing as JSON anytime. Walk away whenever you want with everything.
One person, one subscription
Each subscription covers one person — your account, your privacy. Family members who want their own finances need their own login. We don’t share or aggregate.
See it in action.
A quick walkthrough of every screen, before you decide.
The latest updates
Recent improvements now live in the app — here’s what changed since the last update.