Cifrea

The app

A household ledger that behaves like accounting software.

Built over a year, and used every day on a real household long before it was offered to anyone else. Your data is never sold, never mined for advertising, and never the product.

Coming to the App Store See the spreadsheets

Free to start. Your ledger stays yours.

March Matched

In

32,200

Out

(28,500)

Left

3,700

  • Housing 9,400
  • Committed 4,100
  • Living 6,800
  • Chosen 5,300
  • One-offs 2,900

The app

Net worth you can actually trust.

Everything you own and everything you owe, on one page, converted into the currency you think in. Not a number you typed. A number that falls out of the arithmetic once the accounts reconcile.

  • Salary +31,000
  • Groceries (842)
  • Current → Savings 5,000
  • Restaurant (215)
  • Mortgage (4,180)

What it does

Income statement and balance sheet

Not a spending pie chart. A real monthly income statement, and a balance sheet that reconciles, so net worth is something the app works out rather than something you typed in.

Screenshot coming

Multi-currency by design

Accounts in different currencies, transfers between them, and a base currency you choose. A cross-currency transfer keeps both sides correct instead of quietly inventing a gain.

Screenshot coming

Two people, one ledger

A shared household ledger, where every transaction belongs either to one person or to the household. Both phones stay in step.

Screenshot coming

Reconciliation that finds the gap

Type in what the account really holds and the app tells you what is missing, instead of leaving you to hunt through three months of rows.

Screenshot coming

Statement and broker import

Bring transactions in from bank statements and broker reports instead of typing them. Category rules learn from what you already sorted.

Screenshot coming

Property and mortgage

A home is usually the biggest line on a household balance sheet, and the one most apps ignore. Track its value, the mortgage coming down, and what owning it really costs.

Screenshot coming

A look at it

Real screens, running on a real household ledger with the figures swapped for demo data.

Screenshot coming

Balance sheet and net worth

Everything you own and everything you owe, on one page, converted into your base currency.

Screenshot coming

Income statement

What came in, what went out, and what is left. Month by month, and year against year.

Screenshot coming

Transactions and reconcile

The ledger itself, with the reconcile panel that tells you exactly how far off an account is.

Screenshot coming

Property and mortgage

The house as a balance sheet line, with the mortgage coming down against it over time.

Your data is not the product

We do not sell your data, share it with advertisers, or mine it to profile you. There are no ads and no third-party trackers inside the app. The ledger is yours: export all of it to JSON or CSV whenever you like, and delete your account and everything in it from inside the app, permanently.

On every device you own

iPhone, iPad and Mac, with one ledger across all three. Log something from your phone while you are standing in a queue and it is on the Mac before you get home.

  • iPhone
  • iPad
  • Mac