Multi-currency · AI bill scanning · yours to export
Your money, accounted for.
Down to the last cent.
A warm, fast home for a life lived across currencies — ledger, budgets, net worth, loans that reconcile with your bank statement, and AI that reads your receipts.
- 0
- currencies, one ledger
- 0
- to start, free for ever
- 0
- ways to split a bill
- 0-bit
- encryption on every export
Net worth
$0
This month
+$0
Money on hand
$0
What's inside
A ledger that does the boring parts for you
Bill scanning
Point. Scan. Done.
Photograph any receipt — AI reads every line item, and you confirm each expense in one popup before anything is recorded.
— CORNER DINER —
Grilled chicken rice$5.50
Soup of the day$3.00
Iced tea ×2$2.00
TOTAL$10.50
✓ 3 expenses found — review before saving
Net worth
One honest number
Cash, banks, brokerage, property, gold — tracked or valued by snapshot, with a live USD shadow at your own rate.
Cash & banks45%
Investments30%
Property & gold25%
Groups
Made for moments
A trip, a wedding, the holidays — gather every expense for an occasion, across any category.
Audit trail
Every change, remembered
CREATEadded $10.50 · lunch
UPDATEopening balance $0 → $2,000
DELETEdeleted duplicate coffee
Append-only. Searchable. Exportable.
Your vault
Leaves only encrypted
Your ledger is yours. Exports are password-protected workbooks or AES-256 archives, and a daily backup you can download and keep.
Three moves
Up and running in an evening
Open your ledger
Register and name your accounts — nothing to install, nothing to configure.
Add your accounts
Cash, banks, cards, brokerage, property — opening balances and go.
Live your life
Scan bills, tag the trip, watch the honest number climb.
Plans
Start free. Pay when it earns it.
Every plan keeps your whole ledger — the paid ones add the parts that save you an evening a month. No card to begin, and you can leave with your data whenever you like.
Free
The whole ledger, honestly kept.
$0
for ever
- Unlimited accounts and transactions
- Envelope budgeting with rollover
- Net worth and spending reports
- CSV export, whenever you want out
Plus
Most popularFor a life that crosses borders.
$3
a month, or $30 a year
- AI bill scanning — photo to line items
- All 11 currencies, at the rate of the day it happened
- Loan tracking that matches your bank statement
- Shared trips: split, settle, export the card
- Encrypted backups and .xlsx exports
Household
One budget, everybody in it.
$6
a month, up to five people
- Everything in Plus, for five people
- Shared budgets and occasion groups
- Per-person balances and settle-up
- Priority support, straight to a human
Cancel in a tap — your ledger stays readable and exportable on the free plan.
Ready when you are.
Add FinXM to your home screen — it opens like a native app, gold tile and all.
Create your ledgerLogin