The whole picture
Cash, investments, property, a side project, or a balance to repay. Keep the meaningful things together.
YOUR MONEY. A CLEARER PICTURE.
Know what you own.
See what you owe.
Breathe a little easier.
Bring your assets and debts together in one quiet place. No spreadsheets to tame. No bank connections to set up. Just a clearer view of where you stand.
Checking your home currency…
No account needed · Saved in this browserTHE BIG PICTUREFICTIONAL EXAMPLE
Your net worth—What you own—
What you owe—
Illustrative figures, not a currency conversion
Made for your pace
Add estimates by hand. Revisit them when things change. Work offline after the app has been fully cached.
A local place to start
Your ledger stays in this browser. Export a backup whenever you like, without an account or subscription.
START SIMPLE. STAY IN CONTROL.
Your ledger is yours.
Start with the free local ledger today. Own & Owe Plus is planned for people who want more ways to organise and access their records.
AVAILABLE NOW
Free
A useful personal balance sheet, without an account.
- Assets and debts with personal notes
- Dated estimates and locally recorded history
- Multiple currencies with manual exchange rates
- Backup export and restore
- Offline access after the app is cached
COMING SOON
Own & Owe Plus
Planned features, not available to purchase:
- Account sync across devices
- Multiple profiles
- Attachments for your records
- Reports
Invitation-only sync testing is planned. It is not live in this public app yet.
There is no checkout, price or launch date announced. Signing in will never automatically upload your local ledger; sync will need your explicit consent.A little care goes a long way.
This is a preview product. Use fictional data while reviewing it. Local storage can be lost when browser data is cleared or a device is lost. Keep a backup somewhere safe; backup files are unencrypted. Values are your estimates, not live prices or financial advice.