Income & expense ledger
Income, expenses and recurring operations by article
0₽
Balance for the period · savings rate —
Add amounts to see the breakdown
October 2026
0 / 0 ₽Recurring operations
A rule creates entries automatically. Each one can be edited or skipped in a specific month.
No rules yet — create the first one and entries will appear on their own
Reference block: the method, a worked example and answers to common questions. It does not affect the calculation above.
How it is calculated
- The ledger is built from dated entries: an amount, a date, a sign — income or expense — and an article. Articles are yours to define: “Food”, “Transport”, “Subscriptions” — any set that fits your life; an entry without one lands in “No article”.
- Each amount is read to the kopeck once, and everything above is exact summation with no re-rounding: the period total, the per-article breakdown, the shares. That is why the slices always add up to their own total, and a long run of small entries loses nothing.
- An article’s share is its sum against total spending, article / total * 100: the stacked bar shows the month’s structure, and the heaviest article is immediately visible.
- The period is set by dates: only entries inside the range count. Entries outside it are not lost — move the dates and they return to the slice. The “by days” and “by articles” views are two takes on the same records.
Worked example
Say a month holds 60 000 ₽ of expenses: food 15 000 ₽, transport 9 000 ₽, rent 30 000 ₽ and 6 000 ₽ of uncategorised bits. The bar shows 25%, 15%, 50% and 10% — housing eating half the budget is visible at a glance.
Add an income entry — a 100 000 ₽ salary — and the summary shows the month’s net: +40 000 ₽. Those same 60 000 ₽ of spending are worth checking against the 50/30/20 targets.
Frequently asked questions
Why keep a ledger when my bank already categorises?
The bank sees only its own cards and sorts by its own rules. Here the articles are yours, cash and transfers count alongside the card, and the data stays with you — in the browser or your account, with no third parties involved.
Which articles should I start with?
Five to seven broad ones: housing, food, transport, health, fun. Overly fine articles die within a week — detail only what you genuinely want to control. Articles can be renamed and added at any time.
What is the fastest way to add entries?
Click a day — the entry comes pre-dated; amounts accept expressions like “1 500 + 300”. Excel import works too: download the template with the “Download” button, fill the rows and upload it back.
What does the “No article” slice show?
Entries with no article assigned. If it swells, the month’s structure has gone opaque: walk the entries and file them — a large “No article” usually hides the least pleasant spending.
How does the ledger feed the other calculators?
It supplies honest inputs: average expenses for the “Emergency fund” and “FIRE”, actual envelopes for “Budget 50/30/20”, and the “Financial calendar” adds daily discipline on top of the totals.
How long are entries kept?
In the browser a draft lives 14 days from the last edit — protection of a shared computer from your data. Sign in and the records persist in your account with no expiry, on any of your devices.
Can two people run a family budget together?
Yes: sign in to one account on both devices — the records become shared and synchronous. A one-off snapshot travels via the “Share” button: the recipient sees the period’s entries in full, while their own data stays untouched until they start editing.