Personal bookkeeping,
without the busywork

Choose an account, currency, and starting date. Enter the opening balance, then record subsequent movements. Income and expenses need categories; transfers use the two accounts involved. Complete your first month, compare recorded balances with actual accounts, and adjust categories to suit your routine.

No. You enter entries and opening balances; vaultpenny never asks for bank credentials or imports bank transactions automatically. Review records against bank statements or cash on hand. The homepage demo needs no login; saving your own ledger requires an account.

Core personal bookkeeping is free in English and 简体中文: ledgers, entries, accounts, categories, weekly or monthly budgets, and CSV exports. Pro and AI prices are not published. AI requires administrator configuration and does not include unlimited free calls.

Choose Transfer, select the source and receiving accounts, then enter the amount and actual date. Both accounts must share one ledger and currency. Their balances change by equal amounts; income, spending, and budget usage stay unchanged. Record a separate transfer fee as an expense.

The money remains in accounts you own. Withdrawing 100 from a bank account into your cash account changes where that money is held, while the combined balance stays the same. Record an expense when you actually buy something with the cash. A payment to another person is not automatically an own-account transfer: choose the type that describes what happened.

Link the refund to its original expense and use the actual arrival date. Choose a receiving account in the same ledger; the original category applies. The purchase stays in its month, while the refund reduces arrival-period spending and budget usage. Cumulative partial refunds cannot exceed the original expense.

Enter what each account held when tracking began. This starts its balance and is not monthly income. Record subsequent movements and reconcile against the actual balance. Do not re-enter old income already included in the opening amount, which would count the same money twice.

Yes. Track cash, bank, and digital wallet accounts separately within a ledger that uses one currency. For purchases paid from a bank card, select the corresponding bank account; for cash purchases, select cash. The ledger keeps individual and combined balances. It does not currently provide a dedicated credit card debt, billing-cycle, or repayment reconciliation feature.

Each ledger uses one currency, fixed when you create it. Keep CNY, USD, or other currencies in separate ledgers and review their totals separately. vaultpenny does not calculate exchange rates or combine currencies into one balance. The transfer form only connects accounts in the same ledger; cross-currency records need separate entries with explanatory notes.

They measure different things. Monthly net is income minus expenses plus refunds within that month. An account balance starts with its opening amount and includes cumulative recorded movements, including transfers and adjustments. Even complete records can give different figures. For example, opening with 1,000, receiving 600, and spending 150 gives a balance of 1,450 and a monthly net of 450. Reconcile each account with its actual balance.

No qualification is required to use vaultpenny for personal bookkeeping. Start with the opening balances, choose the right entry type, and review regularly. Simple categories and clear notes make the record easier to maintain. You still need to check that entries reflect reality. The product does not issue invoices, calculate taxes, run payroll, or prepare business accounts.

Yes: English as vaultpenny and 简体中文 as 一笔账. Interface language is separate from ledger currency. Switching languages does not change entries, amounts, or currency. Choose the language that makes daily recording and reviews comfortable.

Open the selected ledger’s Transactions page and choose Export CSV. The file includes date, entry type, amount, currency, category, source and destination account names, merchant, and note. Current entry-type and text-search filters also apply to the export. You can open the CSV in Excel or another spreadsheet for review; automatic spreadsheet import and synchronization are not available.