Live a stress-free financial life.

PaperMoney enables you to track your expenses, net-worth, shared finances and investments with double-entry accounting.

What's so special about Paper?

Personal finance, meet double-entry accounting.

Let's model earning $1000 as your salary, where you owe $300 to the government, (I know, taxes right?).

Your standard expense tracker app.

Savings account +$1000

$1000

Income

Expense

Cash-flow

You cannot categorize your salary as income, as your net-worth would be wrong.

You cannot reduce your income to $700, as your tax calculations would be wrong.

You cannot add the tax as an expense now, as your account balance would be wrong.

You cannot add the tax as an expense when you pay it, since your monthly expense reports would be wrong.

With double-entry accounting in Paper

Your net worth

$700

Assets

$1000

Expenses

$300

Income

-$1000

Liabilites

-$300

Received $1000 in salary, owe $300 in taxes.

Income:Salary

-$1000

Assets:Bank:Savings

$1000

Liabilities:Tax

-$300

Expenses:Tax

$300

You tracked your tax as a liability which means your net-worth is now correct.

You recorded your income as $1000 which makes your taxable income correct.

Your account balance includes your entire salary which makes your account balances correct.

You added the tax as an expense when you recieved your salary which makes your monthly expenses correct.

PaperMoney