Cifrea

The app

One place where all of it finally adds up.

Accounts at two banks, a salary in another name, a portfolio, a flat and the mortgage on it. The app holds all of it, keeps every account in the currency it is really in, and reports one figure in yours.

Download on the App StoresoonSee the spreadsheet

Free to start. Your ledger stays yours.

MarchMatched

In

8,750

Out

(7,755)

Left

995

  • Housing2,552
  • Committed1,020
  • Living1,698
  • Chosen1,695
  • One-offs790

The app

Net worth you can actually trust.

Everything the household owns and everything it owes, on one page, converted into the currency you think in. It is not a number anybody typed in. It is worked out from the accounts themselves, and it has to match the bank before it counts.

  • Salary+5,300
  • Groceries(186)
  • Current → Savings2,900
  • Restaurant(64)
  • Mortgage(640 EUR)

What it does

Everything on one balance sheet

Every account, every asset and every debt in one place, with net worth worked out rather than typed in.

Screenshot coming

The parts a bank cannot see

Property, vehicles, investments, stocks, ETFs, crypto and metals, against the mortgage, loans and cards.

Screenshot coming

More than one currency, without the fudge

Each account stays in its own currency and converts at the rate for its own month, so a transfer never invents a gain.

Screenshot coming

The whole household, not one person

One shared ledger, each transaction owned by a person or by the house, every device in step.

Screenshot coming

Transactions that arrive on their own

Bank sync across 12,000 banks, rolling out now. Or the confirmation text, a photo of the receipt, or four seconds of typing.

Screenshot coming

A total that is checked, not claimed

Type in what an account really holds. If the figures differ, the size of the gap tells you what is missing.

Screenshot coming

A look at it

Screenshots go in here once the App Store listing is ready. They will be the app running on the demo household, so every figure on them can be checked against the numbers quoted elsewhere on this site.

Screenshot coming

Balance sheet and net worth

Everything owned and everything owed, on one page, in the currency you think in.

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 panel that says exactly how far an account is off.

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

Your data is never sold, shared with advertisers, or mined to build a profile. 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, one ledger across all three. Log something from a queue on your phone and it is on the Mac before you get home.

  • iPhone
  • iPad
  • Mac

Every account, added up.

One figure for the whole household, checked against the bank each month.

Coming to the App StoreSee the pricing

Free to start. Your ledger stays yours.