Approximate total balance
≈ ฿141,949.50
Base currency THB · 4 wallets · current sample rates
See every household account, transfer, budget, and debt in one ledger.
This is the working household-ledger flow rebuilt with fictional records. Calculate a linked transfer, follow money across wallets, compare spending with budgets, and check what is owed.
Inside the demo
Both sides of the money stay connected.
Balances come from ledger entries rather than editable totals. A transfer records the amount leaving one wallet and the exact amount reaching the other, including cross-currency transfers.
You can hide balances, move through every screen, filter activity, open a linked transfer, and change reporting periods. Buttons that would create or alter financial records are switched off.
The original product supports English, Thai, and Russian. This public demo uses English only, and every person, account, balance, and transaction is fictional.
Household ledger
Sample household · Bangkok time
Household ledgerSample household
Demo
Sunday, 26 July
Sample data
Overview
Your household money in one place.
Accounts
Your wallets
Ledger
Recent activity
GRGroceriesHousehold bank · 11:24−฿1,460.00
FXTravel transferHousehold bank → Travel dollars$300.00
INProject paymentHousehold bank · Friday+฿42,500.00
Income, expense, and transfers
Activity
Inspect the entries behind every balance.
Cash-flow report
July 2026
Cash flow
IncomeSpent
Spending mix
Home฿18,920
Groceries฿12,640
Transport฿8,850
Other฿11,370
Sunday, 26 July
4 recordsToday
GRGroceriesHousehold bank · 11:24−฿1,460.00
Sent from Household bank−฿9,735.00
→Received in Travel dollars+$300.00
One linked transfer · exact sent and received amounts
TRTrain fareCash · 08:05−฿45.00
INProject paymentHousehold bank · Friday+฿42,500.00
No transactions match these filters.
Accounts in three currencies
Wallets
Each balance is the sum of its ledger entries.
Bank · THB
฿72,480.50Included in totalHousehold bank
Cash · THB
฿3,920.00Included in totalCash
Bank · USD
$820.00≈ ฿26,609.00Travel dollars
Asset · USDT
1,200.000000 USDTUSD-pegged · ≈ ฿38,940.00Digital wallet
Ledger rule
Balances are calculated, not typed.
The wallet total is the sum of immutable transaction entries. Replacing or voiding a transaction changes the entries that feed the balance; it does not patch the balance directly.
Opening entries+Income−Expenses±Transfers= Wallet balance
Linked transfer exampleHousehold bank → Travel dollarsOpen ledger entries
One transaction owns two exact entries:
- Household bank
- −฿9,735.00
- Travel dollars
- +$300.00
The transfer does not become income or spending in the household cash-flow report.
July 2026 · Asia/Bangkok
Budgets
Recurring monthly targets calculated from expense activity.
GRGroceriesRecurring monthly budget70%
Spent฿12,640.00of ฿18,000.00
฿5,360.00 remainingTRTransportRecurring monthly budget89%
Spent฿8,850.00of ฿10,000.00
฿1,150.00 remainingHMHomeRecurring monthly budget76%
Spent฿18,920.00of ฿25,000.00
฿6,080.00 remainingHLHealthRecurring monthly budget31%
Spent฿1,860.00of ฿6,000.00
฿4,140.00 remainingTargets do not rewrite history.
A budget applies to one active expense subcategory for the current calendar month. Changing its target leaves every transaction untouched.
Money owed and owing
Debts
Track each balance and its activity without mixing directions.
Car loanOpenHousehold lender · I owe
Outstanding฿18,500.00
8 activities · last on 22 JulyHome repairOpenService provider · I owe
Outstanding฿6,000.00
2 activities · last on 18 JulyShared tripOpenHousehold contact · Owed to me
Outstanding฿6,200.00
3 activities · last on 20 July
Linked-transfer calculator
See what one transfer does to both wallets.
Enter the exact amount sent and received. The calculator keeps the two ledger entries linked, derives the effective rate, and updates both illustrative balances in your browser.
Effective rate from these entries
One linked record
Two ledger entries
- Household bank · THB
- Travel dollars · USD
Cash-flow classification
Transfer · excluded from income and spending
Moving money between your own wallets does not inflate either cash-flow total.
Follow the ledger
From wallet entries to the household picture
The tour starts with the multi-currency total, opens a linked transfer, shows how entries produce balances, then connects spending to budgets and debt activity. Leave it at any point and explore on your own.
- Read the approximate total across several currencies.
- Open the wallets that make up the total.
- Compare income, spending, and net cash flow.
- Filter activity without creating another URL.
- Inspect both sides of a cross-currency transfer.
- See how ledger entries produce wallet balances.
- Compare category spending with recurring budgets.
- Check money owed and money due back.
- Reset the demo and explore on your own.
About this demo
Built from the working product.
The navigation, balance rules, transfer structure, budget calculations, debt workflow, and reports come from the real app. I replaced its identity and private records, then disconnected every live write and provider boundary.
- Based on
- Private household-finance application
- Product build
- 0.14.5
- Source export
- 2026-07-26
- Demo updated
- 2026-08-01
- Try
- Multi-currency household overview · Browser-local linked-transfer scenarios · Income, expense, and linked-transfer inspection · Wallet balances derived from ledger entries · Recurring monthly category budgets · Debt balances and activity · Cash-flow and spending reports
- Not connected
- Original product name, logo, and artwork · Authentication, PIN access, and account settings · Imports, admin tools, storage, and exchange-rate providers · Production APIs, credentials, and private records · Create, edit, delete, and other write actions