Free, forever
- Unlimited income and expenses, almost 30 categories
- Monthly overview and charts
- Recurring expenses posted automatically, with reminders
- Personal appointments
- Home Screen widget
- Five languages, light and dark theme
Finance · iPhone · iPad · Mac
ArmonyLedger
You know what comes in. But what is actually left?
Anyone with irregular income knows the feeling: the balance looks fine, then the tax bill arrives and the number changes shape. ArmonyLedger holds both sides together — what comes in and what you will owe — so you see the answer in advance, not afterwards.
Free, with a one-time unlock
The whole picture
Total balance, net for the month, income and expenses at a glance. Spending by category in a donut chart, month-by-month bars, the latest transactions always within reach. Invoices you have sent but not yet been paid for get a section of their own, because sent and paid are two different things.
Tax, estimated as you work
More than twenty tax regimes across six countries: Italian forfettario at 5% and 15%, ordinary regime, self-employed with pension fund, employee, pensioner, plus the United States, United Kingdom, France, Germany and Spain. Editable profitability coefficient, taxable base and tax updated with every entry, and the suggested set-aside always in sight. These are estimates for planning, not a tax return: you still need an accountant.
The budget
A spending limit per category, and in real time what you have spent, what is left and where you have gone over. No guilt-tripping: just the number, when you need it.
The deadlines you cannot miss
Your country's tax deadlines are already in the calendar — balance and advance payments, VAT, Self Assessment, IRS Tax Day. Alongside them go your own appointments and recurring expenses, posted automatically when due and announced on the days you choose.
Reports ready for your accountant
Summaries by period, biggest expenses of the year or month, income by client or by source. Reports and the calendar export as PDF, ready to print or attach to an email. And your bank statement imports from CSV: the format is recognised on its own, columns map automatically, and you can correct anything before confirming.
The Universe
An alternative view of the year, where every transaction becomes a celestial body and its size and colour tell you amount and category. It serves no practical purpose. But looking at your own numbers this way, once in a while, lands differently.
What it costs
Try it for real, not on a timer.
Full version
- Tax engine: 20+ regimes, taxable base, tax, set-aside
- Your country's tax deadlines built in
- Monthly budget per category
- Reports and PDF export
- Bank statement CSV import
- Universe view