Product
Everything the ledger does.
One ledger. Eight chapters. No sidecar app for splits, cards, or cash.
The rest of it
01
Workspaces
Personal, Family, and Company tenants. Each has a base currency. Members switch without mixing ledgers. Company viewers can be scoped to departments.
02
Ledger and dates
Every row stores transaction_date for accrual P&L and payment_date for cash. Unpaid and scheduled bills can hit P&L before cash moves. Transfers are neither income nor expense.
03
Cards and payables
Credit-card cycles assign purchases to a statement. Paying the bill is a transfer, so groceries are not counted twice. Non-card payables can sit unpaid or scheduled until you settle them.
04
FX and files
Foreign amounts keep their currency and rate, then normalize to base. Fiscal documents attach to the transaction — many files per row — in object storage.
05
Groups
Splitwise-style membership inside one workspace. Equal, percentage, or exact shares. Debt simplification suggests settlements. Shares are internal; they do not invent extra P&L expenses.
06
Analytics
Accrual P&L by category and date range. Cash-flow projection from payment dates, card dues, and recurrences. Tag reports for a trip or project. Family individual vs consolidated. Company department P&L.
07
Import
CSV of accounts, categories, and transactions. Bank and card statement upload without duplicates. Suggested classification from similar history, marked suggested vs manual. Reconciliation that must match the statement total.
08
Planning
Period envelopes on a category, tag, department, or mix. Remaining is envelope minus accrual spend. Going over warns; it does not block posting.