No trial clock, no feature gate, no upsell — all of it, free. Here’s the whole thing, grouped the way the app is.
A home screen that answers the actual questions: what am I worth, am I on budget, what’s leaving my account this week, what just happened. Net worth carries a twelve-month trend, so a number becomes a direction.
A familiar register with inline editing, typeahead payees, splits, and transfers that stay matched on both sides. Filter by date, amount, status or category — or open every account in one register and search the lot. Current, savings, credit and cash accounts sit alongside investment, property, vehicle and loan accounts.
Every account in one place. Search 30,000 transactions and get an answer instantly, with an account column so you always know where a line came from.
OFX, QFX, QIF and CSV, with a column-mapping wizard for any layout. The app remembers how you categorised each payee and applies it next time; a rules engine handles the rest.
Coming Automatic bank downloads are in progress — pluggable providers, Enable Banking first.
An envelope/zero-sum hybrid: assign what you have, roll over what you don’t spend. The annual matrix shows the whole year at once; the monthly view burns down against plan so you know on the 12th whether you’ll make it. Savings and pay-down goals sit alongside.
Planned, actual, and the difference — twelve monthly columns per category, editable in place.
FIFO cost basis, realised and unrealised gains, dividends, splits and merges, bonds and options. Prices from Tiingo with your own key, or entered by hand. Returns as money-weighted IRR — not a percentage that flatters you.
Every security with average cost, market value and unrealised gain — including the instruments most personal-finance tools quietly ignore.
Amortisation from where the loan actually is now. Every future payment split into interest and principal, with the balance curve running to the final payment.
Net worth, the cash-flow Sankey, income vs expense, spending over time, by payee, by category × payee, investment returns and income. Drill into any figure to reach the transactions behind it, and save a report you’ll want again.
Income and expense month by month, with the net line on top — and the savings rate that falls out of it.
Spending by category over any period, measured against your own average rather than a stranger’s benchmark.
Net worth broken down or over time — assets against debts, itemised, with the gap between them.
Hold accounts in different currencies, with historical rates so last year’s numbers stay correct. Convert any report to whichever currency you think in.
One .mfl file, plain SQLite, auto-saving as you work, with rotating snapshots. Kept in ~/Documents/My Financial Life/ and untouched by installs and upgrades. If the project vanished tomorrow your data would still open.
One type scale and one set of design tokens across every screen, in both themes — not an inverted afterthought.
GPL-3.0, for 64-bit Linux — a Debian/Ubuntu package, a portable AppImage, or a tarball for any distribution.
