You already know what you spent.
Homeconomy tells you how the month will end.

It reads by day, not by row

Each day opens with its own header and band, and today is marked. That sounds like a typographic detail and it isn't: with a plain dividing line, the jump from one day to the next looked exactly like the jump between two entries on the same day.

What repeats gets written once

Rent, school fees, car insurance. You schedule them once and next month they are already there — and they are precisely what makes it possible to know how the month ends without waiting for it to end.

An expense can be partly refunded

You returned one of the three shirts. There is no need to delete the entry and type it again: the part that came back is voided, the amount adjusts, and what happened stays on the record — which is not the same as it never having happened.

An entry can count towards another month

The shop on the 31st that really belongs to next month, the salary that lands on the 2nd. The date is when it happened; the accounting month is where it adds up. Without that, one month looks worse than it was and the next one better.

Where it goes, and whether that is a lot

The report sorts the month by category and says what share of your income each one takes. So far, so ordinary. The other half of the question is the one hardly anyone answers: “Family: £210” means nothing unless you know what you usually spend on Family. So every bar carries a mark at the usual figure.

The usual figure is the median of the preceding months, not the average: in a household the exception is the rule —the month the car insurance lands, the month the school books do— and an average chases the odd month, which is precisely the one that makes a poor yardstick.

And because the month is not over, each bar comes in two parts: solid for what has been spent, hatched for what is scheduled and has not.

A holiday is not a bad month

A project groups together what isn't day-to-day —a trip, a house move, a refurbishment— from the moment you start planning it. And it does two things: it shows you what the whole thing cost, even if the spending is spread over half a year, and it takes it out of your running expenses, because a month with a holiday in it tells you nothing about what the next one will look like.

Entries are grouped by assignment, not by date. The apartment deposit falls in March and the trip is in August: filtering by date, that expense would never have shown up.

And money that goes back and forth between people

What you lent someone and what they lent you, with the repayments, the deadlines and who is involved in each one. No separate spreadsheet, and no having to remember how much was left.

The two directions are kept separately and are never netted off: owing each other £500 is two live agreements, each with its own dates and deadlines, not a zero.

And money that belongs to no one in particular

The flat kitty, the one for the group's dinners, the one for office presents. Each round everyone puts in what was agreed and it gets spent from there, and nobody keeps score of who has put in more, because every round everyone puts in the same.

It is the opposite of a loan: here the money isn't owed to anyone, it belongs to everyone in it. There is no debt to chase and no balance to settle — only what is left and where it went.

And you can share it. Each person sees it from their own account: whoever you choose can add entries, and everyone else can only look. It is encrypted with a key of its own that the server doesn't have. The invitation is a link that you pass on yourself — we send no email — and because it carries the key, anyone who has the link can read the kitty.

The household's money on one side, yours on the other

A ledger is a full set of accounts: its own transactions, scheduled entries and templates, projects and loans, and its own month-end figure. One for the household and one for you; one for the flat you let out and one for everyday life. While you only have one, nothing changes — the day you create a second, a picker appears at the top to look at each of them, or all of them at once.

Only what you move crosses between them. A transfer leaves one ledger and lands in the other, both balances show it, and neither counts it as spending or income: looking at all of them together, what you put into the household ledger isn't added to what you spend.

And if you pay for the household shopping with your own card, that's how it gets recorded: the expense stays in the household ledger, the money comes out of yours, and it goes on the card statement with everything else.