What is 4W1H?
4 wealth, 1 habit
Just enter 5 things and AI handles the double-entry bookkeeping. Export structured data to ChatGPT, Claude, or Gemini for personalized financial analysis.
The 4W1H Method
When
Select the transaction date. Defaults to today, based on your device's timezone.
How
Choose income, expense, or transfer.
Where
Enter the merchant or counterparty. Frequent entries are auto-suggested.
Which
Select your payment method or account.
What
Enter items and amounts. You can add multiple items at once.
AI Auto-Journaling
AI automatically handles journal entries, the core of double-entry bookkeeping.
(Dr) Asset ↑
(Cr) Income ↑
(Dr) Expense ↑
(Cr) Asset ↓
(Dr) Asset ↑
(Cr) Asset ↓
Credit Card Usage & Payment
This is often confusing for those new to double-entry bookkeeping. Credit card transactions are processed in 2 steps.
An expense occurs, and your card balance (liability) increases. No money has left your bank yet.
Use 'Transfer'! Moving money from bank (asset) to card (liability) reduces both your debt and your bank balance.
Use 'Transfer' to pay your card bill: Bank Account → Credit Card.
If a card transaction near the billing closing date is not reflected in the card issuer's statement, the ledger's 'actual' amount may differ by that amount.
Overdraft Notice
Overdraft accounts are not currently supported.
Overdraft accounts dynamically switch between asset and liability based on balance. This requires a special account type that is not available in the current version.
Regular loans (e.g., mortgages, personal loans) can be registered in the 'Loans' group and managed normally.
Overdraft support will be considered in future updates.
Please register regular loans instead of overdraft accounts.
AI That Learns From You
AI may misclassify categories at first. But don't worry!
Analyzes transaction details and suggests appropriate categories. New items may have lower accuracy.
If it's wrong, tap the transaction to change the category. You can also create new categories.
Your corrections apply immediately to future transactions. Same items are instantly classified without AI.
Correct a category once, and that item will always use your chosen category automatically!
Smart Autocomplete
Learns up to 500 frequent merchants and 3,000 items. Repeat transactions complete with just a few keystrokes.
Analyze
Visualize your data and forecast future cash flows.
Annual Cash Flow Forecast
Forecasts this year's cash flow month by month based on actuals and recurring transactions.
Back-calculates your January 1st balance and displays year-end projected balance and debt changes in summary cards.
Register each card's billing closing date and payment date to forecast actual debit timing along the billing cycle. Cards with different payment dates are tracked separately.
Warns you in advance about risky months where your cash balance may go negative. Irregular income adjustments are also reflected.
Monthly Trends
View monthly income/expense trends in charts.
Category Analysis
Analyze spending by category.
AI Financial Analysis
Export your structured data from 4W1H, and let AI become your personal financial coach.
1. Export Your Data
Export as JSON or CSV from Settings. Includes accounts, categories, and transactions organized by double-entry bookkeeping.
2. Feed It to AI
Upload to ChatGPT, Claude, Gemini, or any AI of your choice. The structured data is instantly understood by AI.
3. Get Personalized Insights
Receive spending pattern analysis, savings tips, budget planning, and more — tailored to your actual data.
You control your data. Whether to export, and which AI to use — it's always your choice. Data stays E2EE encrypted until you decide.
Manage
Automatically manage recurring expenses and shared costs.
Advance Payment & Settlement
Automatically separates receivables from amounts paid on behalf of others and tracks settlement progress.
Automatically separates your share and receivables from the total paid. You can record each person's name with equal-split distribution.
View all outstanding receivables at a glance on the Settlement page. Track settlement progress by person.
Choose the deposit date and account when receiving. Write-offs are converted to expenses for accurate cost recording. Deletion automatically restores the original transaction.
Deferred Income Conversion
Convert income transactions to deferred income to track them in settlement management. Perfect for freelancer receivables, deposits, and more.
Auto-Generated Transactions
Set a schedule for recurring income and expenses like salary, subscriptions, and insurance. Transactions are auto-generated on your chosen frequency — daily, weekly, monthly, or yearly. If the app is unused for days, missed transactions are automatically backfilled.
Schedule badges show specific dates (e.g., 15th of every month) for quick reference.
Quick Recurring Registration
Set a recurring schedule with one toggle while entering or editing a transaction. Linked recurring entries lock the transaction type, merchant, and account to protect data integrity.
Feel Secure
Security, accessibility, and habit formation support your consistent recording.
PIN-Based Encryption
Encrypt all transaction data with a 4-8 digit PIN. Your PIN is never sent to our servers.
End-to-End Encryption (E2EE)
No one, including developers, can see your encrypted data. Only you with your PIN can access your data.
Data cannot be recovered if PIN is lost. Please keep your PIN in a safe place.
Dark Mode & Accessibility
A warm, eye-friendly light theme
A high-readability dark theme with sharp contrast
All text and amount displays meet WCAG AA accessibility standards
Recording Habit Score
The sooner you record, the higher the score. Check your streak and habit score on the dashboard, and view grade distribution and insight messages on the stats page.
Frequently Asked Questions
How is subscription billed? ▼
Automatically billed on the same day each month. For example, if you start on January 15th, you'll be billed on the 15th of each month.
Is there a free trial? ▼
Yes, you can try all features free for 14 days. Start without a credit card.
What happens if I cancel? ▼
You can cancel anytime. After cancellation, you can continue using the service until the end of your current billing period.
Can I get a refund? ▼
Refunds are available within 7 days of payment if you haven't used the service. Once you've used the service, refunds are not available.
What happens to my data if I stop subscribing? ▼
Your account becomes dormant for 30 days after subscription expires. Resubscribe within this period to restore your data. After an additional 30 days, all data is permanently deleted.
What if I forget my PIN? ▼
Your PIN is not stored on our servers and cannot be recovered. If you lose your PIN, all transaction data is permanently lost. Please keep your PIN in a safe place.
How are recurring transactions auto-generated? ▼
Go to Settings > Recurring tab to set up schedules for salary, subscriptions, insurance, etc. Transactions are auto-generated daily, weekly, monthly, or yearly. Missed periods are automatically backfilled, and you can pause or resume schedules at any time.
What is annual cashflow? ▼
Forecasts 12-month cashflow based on actual data and recurring transactions. Separates card payments from cash spending, and warns you about months when cash balance may run low.