Before you start
How to keep your books
Keeping personal books follows the same rules as keeping business books — there are just fewer of them. Here are the rules, the mistakes almost everybody makes first, and what this app does and does not do.
Six rules
These are not this app’s rules; they are bookkeeping’s. Follow them and any accountant can read your ledger.
Start with an opening balance
Enter what is in the bank, in the wallet and in your pocket today. Get this number wrong and every balance after it is wrong — and the right day to start keeping books is today, not last January.
Write both sides of every amount
Where it came from and where it went. The app does this for you: pick a category and an account and the debit and credit follow. An entry whose sides do not agree cannot be saved at all.
Write it daily, not monthly
Reconstructing three weeks from memory is guessing. Two minutes a day is enough, and it works with no connection.
Use categories and tags together
A category says what the money went on — food, transport, medical. A tag says who it was for — family, business, Ramadan. One expense, two questions answered.
Reconcile with the bank each month
Compare your ledger balance with the bank’s. A difference is the ledger telling you an entry is missing. Skip reconciliation and everything else you did becomes an estimate.
Cash flow is not profit
৳50,000 arriving in your account is not ৳50,000 of income — some of it may be borrowed. The income statement says what you earned; the cash flow statement says what moved. You need both.
How not to keep them
Every mistake below has one shape: money that only changed hands is recorded as though it changed your wealth. The month inflates and net worth starts lying.
What people writeLent ৳20,000 — expense
What it actually isA loan given — an asset (receivable)
The money is still yours, just in somebody else’s hands. Cash fell; your wealth did not. Getting it back is not income either.
What people writeBorrowed ৳50,000 — income
What it actually isA loan taken — a liability
Cash rose and a liability rose by the same amount, so net worth did not move at all. Only the interest is an expense.
What people writeBank to mobile wallet, ৳5,000 — an expense and an income
What it actually isA transfer
The money went from one of your pockets to another. Recording both sides as income and expense inflates two figures for the month by ৳5,000 each.
What people writePaid the ৳12,000 card bill — expense
What it actually isSettling a liability
The expense happened on the day you used the card. Paying the bill only reduces what you owe. Record both and you have counted one purchase twice.
What people writeDPS instalment ৳3,000 — expense
What it actually isSaving — a move between assets
Nothing was spent; money moved from one account to another and net worth is unchanged. The profit, on the day it is credited, is the income.
What people writeThe land is worth ৳500,000 more — income
What it actually isA revaluation
Nothing was sold, so no cash moved. Net worth rises and the income statement is not touched. The gain is realised on the day of sale, not before.
What people writeDinner for four, ৳3,000 — all of it your expense
What it actually isYour share ৳750; ৳2,250 is receivable
You paid the bill but consumed a quarter of it. The rest is owed to you by three people. Book the lot and your monthly spending reads four times what it was.
Everything the app does
All of it works today. Each line says which screen it lives on, and calls out the part people most often read the wrong way.
Day to day
What you need every day
Recording income and spending
Where: The + button at the bottom, from any screen
Amount, category, date — three fields. Everything else is optional and folded away.
It works with no internet. Entries go up on their own once you are back online.
Transfers
Where: New transaction → Transfer
One account to another. It does not count as spending, because the money is still yours.
Categories and sub-categories
Where: Settings → Categories
Smaller headings inside a big one. Reports roll sub-categories up under their parent.
Tags
Where: More → Tags
A category says what the money went on; a tag says who it was for — family, business, Ramadan.
One expense can carry several tags, so tag totals can add up to more than the month did. Reports say so where it matters.
Quantities and units
Where: The "Record a quantity?" field on a transaction
৳12,000 on fuel and 340 litres of fuel are two different questions. 56 units, from kg and litres to mon, bhori, katha, bigha, pounds and gallons.
Not in the list? Pick "another unit" — and you can add your own in Settings.
Where the money is
Accounts, assets, liabilities
Accounts
Where: More → Accounts
Cash, banks, mobile wallets, credit cards, savings, plus assets (land, gold, a car) and what you owe.
The dashboard's "cash and bank" is only money you can spend; land and gold are counted separately, under net worth.
An account’s own statement
Where: The document icon beside an account
Exactly what a bank issues: opening balance, every entry in debit and credit columns, a running balance down the page, closing balance. Print it, export it, or share a link.
Each row names the account on the other side, so ৳5,000 withdrawn and ৳5,000 of rent stop looking alike.
Matching a balance
Where: The scales icon beside an account
Type the real balance and the difference is posted as an adjustment.
Revaluing an asset
Where: The upward arrow beside an asset
Land worth more this year? Enter what it is worth now. The history stays.
This is not income and it does not reach the cash flow — only net worth moves. Nothing was sold.
Savings and DPS
Where: More → Savings & DPS
Instalment, term and profit rate — it works out what the plan matures to.
Insurance
Where: More → Insurance
Policies, premium dates, and which ones are still due.
Lending, borrowing and people
Who owes you, and who you owe
Lending and borrowing
Where: Bottom tab → Loans
With interest or without, in instalments. Every instalment reaches the books.
Lending takes money out of an account without being an expense — it becomes something owed to you.
A person's ledger
Where: Loans → their name
Every loan and every shared bill with one person, as a running balance.
People and their codes
Where: More → People
Everybody gets a code — P-0001, P-0002. Two people with one name stay two people.
Give a mobile number and the same person is never created twice, so their loans and their trips sit in one place.
Splitting
Spending together
Groups and splitting a bill
Where: More → Splitting
A trip, a mess, an office. Split equally, by percentage, by exact amounts, or by shares.
Only your own share reaches your expenses. A ৳3,000 dinner split four ways puts ৳750 in your month, not ৳3,000.
Advances and settling up
Where: Group → Money in and out
You can record money handed over before any expense exists. It comes off their share of the next bill on its own.
A pot everybody pays into
Where: Group → Open a pot
A family fund, an office collection, a trip kitty. Everybody contributes, spending comes out of it.
Somebody else's contribution is money you owe them — the pot may be in your hands, but it is still theirs.
A public link for the trip
Where: Group → Share
Whoever you send it to sees it without an account: the total, who paid what, each share, and who owes whom.
Nothing outside the group travels with it — not your accounts, not your other spending, nothing.
Inviting somebody who has an account
Where: Group → the add-person icon beside a member
The expenses arrive in their own books as drafts.
Nothing is written to their books without them accepting it, and they cannot see yours.
Reports
Where the money went, and where you stand
Categories, tags and trends
Where: Bottom tab → Reports
Choose your own dates. Tap a category to see the entries inside it.
Financial statements
Where: Reports → Financial statements
Income statement, balance sheet, cash flow and the change in net worth — one page, ready to print.
Cash flow comes in three sections: operating, investing, financing. A salary and a borrowed lakh never blur into one number.
The quantity report
Where: Reports → Quantities
How many kg of rice, how many litres of oil — this is where a price rise and a change of habit stop looking alike.
Sharing a statement
Where: Share, on a person, loan, savings or insurance page
Pick the dates and make a link. A lender, a bank or an insurer opens and prints it without an account.
The link expires, you can revoke it at any moment, and you are told how many times it was opened.
Getting data in and out
Without typing it
From a file
Where: More → Import & export
A bank CSV or Excel file. It guesses which column is which; correct it where it guessed wrong.
Anything already imported does not arrive twice. A whole batch can be undone in one tap.
Connecting a mailbox
Where: Settings → Statements from email
It reads the bank's letters and turns them into drafts.
A draft does not reach the books until you have looked at it.
Telegram
Where: Settings → Telegram
It reminds you when a credit card bill is due.
The app itself, and safety
Installing it on a phone
Where: Browser menu → Add to home screen
It behaves like an app and opens with no internet.
New versions arrive on their own — there is nothing to reinstall.
Language
Where: Settings → Language
Bengali or English. It is the language of the books, so reports and shared statements follow it.
Signed-in devices
Where: Settings → Devices you are signed in on
See one you do not recognise, sign it out in a tap.
The activity log
Where: More → Activity
Who changed what, and when. There is no way to erase it — not for us either.
What you get
On the free plan (free forever)
- Two accounts — a bank and your cash, say
- Unlimited transactions, no monthly quota
- Unlimited people, loans and instalments
- All four financial statements, for any date range
- Splitting (ShareCost) — groups, pots, public links
- DPS, savings and insurance tracking
- Shareable statement links
- Telegram entry and reminders
- Offline entry, installable on a phone
Premium adds (৳350/month)
- Unlimited accounts
- Receipt attachments
- A connected mailbox that reads bank letters
- Full CSV export of the ledger
- An AI monthly review
- More than one member on the same books
What you do not get
None of this exists here. Better to know before signing up than to find out after.
- A direct bank connection — there is no bank API and we never ask for your banking password. Data arrives from what you type, a mailbox you connect, or a CSV.
- A stock or investment portfolio — prices do not update themselves. You can hold the asset; you set its value.
- Business invoicing, VAT or payroll — this is personal accounting software, not an ERP.
- A Play Store or App Store app — today it installs to your home screen from the browser and runs offline. A store app comes later.
- Automatic reading of bank SMS — the plumbing is built, the per-bank patterns are not.
- Online payment — premium is switched on by hand for now; get in touch and we will enable it.
That is the theory. Now write one down.
A minute to open an account, ten seconds for the first expense. No card, and you can download everything any day you like.