BalancesTrack your net worth, not your coffee money.
Each month you enter your balances; Balances tracks your net worth. One number per position, once a month — no receipt-scanning, no transaction categorising, no bank-sync babysitting.
Built for households who want to watch wealth build over years — not track spending week to week.
No signup — the demo is a shared account; its data resets nightly.
- AGPL-3.0 open source
- Self-host with docker compose
- No bank connections — you type the numbers
- English & Bahasa Indonesia
How it works
Add your positions
Bank accounts, property, vehicles, investments, debts — anything your household owns or owes.
Enter month-end balances
One number per position, straight off the statement. Ten minutes at the end of the month.
Watch your net worth
Balances charts it over time, across everything — including the illiquid things no bank sync can see.
Why monthly is enough
Net worth doesn’t move by the hour. It moves when a paycheck lands, a mortgage payment posts, a market month closes. Sampling it more often than monthly mostly records noise.
A month-end balance is also the easiest number to trust: it’s printed on the statement. No categorising, no reconciling, no missed transactions to chase.
Say your household has two bank accounts, a mortgage, a car, and a retirement fund. That’s five positions — five numbers, maybe ten minutes with your statements. Twelve rows later you have a year; keep going and you have the chart that answers whether your household is building wealth.
Monthly isn’t a limitation Balances tolerates. It’s the cadence low-friction enough that you’ll still be doing this in year five.
Not a budgeting app
No transaction feeds, no spending categories, no envelopes. That is deliberate — a non-feature, not a missing feature. Budgeting apps answer “where did my coffee money go?” Balances answers a different question: “is my household building wealth over time?”
If you love itemising every purchase, keep your budgeting app. Balances sits above it, tracking the number that actually moves: your net worth.
Everything in one place
Net worth only means something when it covers the whole picture — including the illiquid things that have no transactions to sync.
Assets
Bank accounts, property, vehicles — things of value that aren’t investment instruments.
Liabilities
Mortgages, bank loans, credit-card balances — and the informal money owed to family.
Receivables
Money owed to your household by someone else, so it stops falling through the cracks.
Investments
Stocks, mutual funds, bonds, gold, time deposits — with a ledger for buys, sells, and income.
Why I built Balances
I’ve been recording my household’s finances since 2011 — before I was married, and with real discipline since my second year of marriage. I did it in GNU Cash for about three years, then a self-hosted Firefly III, then Google Sheets. The daily cadence broke me every time: sit down at the computer, enter the day’s transactions, dread the ones I’d missed. The spreadsheets survived longest — and grew to twelve workbooks.
Balances replaces all of it with one app and one habit I can actually keep: once a month, I enter the balances. I built it for my own household first, and building it in the open — sharpening my engineering practice along the way — means you can use it for yours.
— Raditya (kerti), maintainer
Yours
Balances is open-source under AGPL-3.0 and self-hostable with a single docker compose up. Your household’s net worth lives where you put it — it is not a data product. Back up or export the whole household whenever you like, and use the app in English or Bahasa Indonesia.
See it with your own eyes
No account to create, nothing to install. The demo is a shared account and resets nightly.