YouFinance: Private Ledger

YouFinance is a private, offline-first personal finance app built on double-entry bookkeeping, the same method accountants use, so every number in your app adds up. Your ledger stays on your phone. Your transactions, balances and reports are stored on your device, not uploaded to a cloud account. Everyday use works without an internet connection; exchange rates and the optional community features connect only when you use them, and shared goals only share what you choose to share. Track your money properly - Record income and expenses across bank accounts, e-wallets, cash and credit cards - Keep holdings such as property and investments alongside everyday accounts - Multi-currency support with dated exchange rates, so past transactions keep the rate that applied on the day - Import transactions from a bank statement (PDF or CSV file) - Scan receipts to capture details faster Multi-currency project plans - New: set up a Financial Plan for a project that spans two currencies, like a home built abroad while you earn elsewhere - Lock an exchange rate at the start, so your totals stay meaningful even if the rate moves later - Choose how often you want to be reminded to review your locked rate, or leave it set once for the life of the project - See both currencies at a glance, with a colour-coded card border matching the currency involved Plan and budget - Monthly budget plans, including a simple plan designed for kids learning money habits - Personal goals, and shared goals with people you trust - Travel wallets that keep a trip's spending separate from your everyday money - Track billable income and expenses if you freelance See the whole picture - Net worth and personal financial reports you can export as a PDF - Each report carries a tamper-evident fingerprint, so a saved copy can be checked for changes - Clear overviews of where your money sits across accounts Build better habits - Calculators for budgeting, compound growth, debt payoff, loans and retirement - Fin101, plain-language financial education for adults and for kids - A growing bamboo streak that rewards showing up for your finances Keep it safe - Lock the app with a PIN and optional biometrics - Back up everything into a single file that you control, and restore it on a new phone Who it is for Anyone who wants a clear, honest record of their own finances without handing it to a cloud account. It suits individuals, freelancers, families, and anyone managing money across more than one country or currency. YouFinance is a personal record-keeping tool. Reports are based on the information you enter and are not audited, certified or verified by any institution. Nothing in the app is financial, tax or legal advice. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/