A ledger for two — and tools for teams.
Free forever for friends, couples, and family. Upgrade to Personal for expanded capacity, or choose Business for multi-user collaboration and client ledgers.
Free
$0
per month
Free foreverIdeal for friends and couples tracking loans, shared tabs, and occasional IOUs.
Up to 5 accounts
Up to 5 contacts
Standard interest math
Live two-party sync
Personal
$5
per month
Billed monthlyFor household managers, frequent lenders, and active financial tracking.
Up to 50 accounts
Up to 50 contacts
100% ad-free experience
CSV & PDF statement export
Account sharing & invites
Priority email support
Business
$10
per seat / month
Billed monthlyFor businesses, law firms, property managers, and multi-user lending teams.
Up to 500 accounts
Up to 500 contacts
Team roles & permissions
Client profiles & directory
Immutable audit logs & CSV export
Compare plan features
Everything you need to track shared finances transparently, tailored to your scale.
| Feature | Free | Personal | Business |
|---|---|---|---|
| Limits & Capacity | |||
| Active accounts / ledgers | Up to 5 | Up to 50 | Up to 500 |
| Saved contacts & counterparties | Up to 5 | Up to 50 | Up to 500 |
| Ledger & Calculations | |||
| Real-time two-party ledger sync | |||
| Standard & compound interest calculations | |||
| Custom compounding day of month | |||
| Account ledger export (CSV & PDF statement) | |||
| 100% ad-free experience | |||
| Team & Organization Tools | |||
| Multi-member team workspaces | |||
| Team roles & permissions (Owner, Admin, Member, Viewer) | |||
| Dedicated client profiles & counterparty directory | |||
| Prorated seat licensing | |||
| Audit & Compliance | |||
| Immutable audit trail & activity log | Comprehensive | ||
| Financial reports & CSV ledger export | |||
| Customer support level | Community | Priority email | Dedicated priority |
Frequently asked questions
No. Friends, family members, or business clients invited to your ledgers can view the ledger, review transactions, and verify interest calculations completely free of charge. Only the account owner or team managing high volumes requires a paid subscription.
When you create an organization, you receive a full 14-day trial of all Business features—including multi-member access, client management, and audit trails—without having to enter payment details upfront. When you are ready to continue, activate your subscription at any time.
Organizations are billed per active member seat on a monthly cycle. You can add or remove team members at any time, and Stripe automatically calculates prorated charges or credits on your next invoice.
Yes. All personal plans and organization subscriptions can be changed or canceled at any time with a single click via our self-serve Stripe customer portal. If you cancel, your subscription remains active through the end of your current billing period.
Yes. You can switch between monthly and annual billing at any time with a single click in your Stripe billing portal. When switching to an annual plan, your remaining monthly balance will be automatically credited toward the annual amount.
You will see a notification inviting you to upgrade. All of your existing ledgers, transactions, and historical data remain completely safe and accessible. Upgrading to Personal immediately unlocks your new limits.
Ready to keep the numbers between you honest?
Create a free account in less than two minutes. No credit card required.