fommoneyledgerbeta
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Personal finance ledger

Follow your money.Plan the rest.

Fommoney keeps personal finance, household, business and Telegram in one ledger. Every number can be traced back to the entry that created it.

Create free accountSee the recording flow
Web and Telegram, one engineThe bot reads and writes to the same backend, never a second database.No demo dataNew accounts start empty and show a clear empty state.Six report templatesThe preview uses your actual transactions before printing or saving as PDF.
Ledger sheetLayout example
DateDescriptionCreditDebit
01Monthly salary8.500.000·
02Groceries·412.000
03Home internet·385.000
04Client payment4.000.000·
This month net11,703,000
The rows above are only a layout example. A new account starts empty and shows only the numbers you record yourself.
/balance/expense/income/transfer/month/loan/household/groceries
01 · Modules

Three core modules, ten supporting ones, one ledger.

Every module writes to the same source. Open a detail to see what each one holds.

01
The base layer

Multi-wallet

Banks, e-wallets, cash and liabilities stay separate wallets that still read as one overview.

  • Balances come from opening balance plus ledger
  • Transfers never inflate income or expenses
  • Reconciliation compares the ledger with your statement
02
Ledger

Transaction ledger

Income, expenses, transfers, categories, projects, contacts and references live in one book.

  • Create, edit, search, soft delete and restore
  • Custom categories and project context
  • Entry source is recorded: Web, Telegram, Import, Recurring
03
Planning

Budgets and goals

Spending limits, goal progress, recurring items and due dates follow your actual data, not guesses.

  • Budget versus actual
  • Goal progress and target date
  • Recurring items can be paused or posted
Supporting modules

10 more modules switch on when you need them.

Loans and debts, household, currency, profit sharing, Telegram, business finance, reports, net worth, calendar and projects. The full list with explanations lives on the modules page.

The landing page intentionally shows only the three core modules. Other questions can go to hello@shadore.dev.

See all 13 modules
02 · Who it is for

One workspace for four ways of working.

The explanation changes in place, without a new page.

Personal finance

Manage everyday money without turning life into a spreadsheet.

Start with wallets and transactions. Budgets, goals, loans, net worth, reconciliation, recurring items or projects switch on only when you need them.

Open a free account
01Wallets
02Transactions
03Budgets
04Goals
05Net Worth
06Telegram
03 · How it works

From input to report, every step stays traceable.

Four stages in order, with nothing hidden behind the interface.

01
Capture

Start with fast capture, not an exhausting form.

Use the Web app for full control or Telegram to capture on the move. Both go to the same API and finance engine.

WebTelegramStructured import
02
Validate

The finance engine checks context before the ledger changes.

Transfers, currencies, wallet state, data ownership, idempotency and document relations are checked so one action never creates a misleading number.

DecimalOwnershipIdempotency
03
Organize

Add context without fragmenting the data.

Categories, contacts, projects, household, business, recurring items and references become layers over one consistent source of data.

CategoriesProjectsBusiness and household
04
Read

Dashboards and reports read the numbers you recorded yourself.

Cash flow, budgets, net worth, business receivables, household spending and reports A to F never fall back to demo data for real accounts.

DashboardReportsExport A to F
04 · Reports & data control

Six report layouts, one rule for writing numbers.

Pick A to F to compare the layouts. The preview here uses example data; inside the app it reads your actual transactions.

PreviewA · Clean Minimal
fommoneyPrepared with Fommoney
August 2026IDR
Financial Report

Financial Report

Total BalanceIDR 28,450,000
IncomeIDR 12,500,000
ExpenseIDR 7,250,000
Net FlowIDR 5,250,000
Expense Analysis
FoodIDR 1,850,000
HouseholdIDR 1,200,000
TransportIDR 875,000
OtherIDR 650,000
Net Flow
IDR 5,250,000
Transaction Activity
DateTransaction ActivityCategoryAmount
Aug 25SalaryincomeIncome+IDR 8,500,000
Aug 24HokBenexpenseFood-IDR 85,000
Aug 23InternetexpenseHousehold-IDR 420,000
Aug 22Project paymentincomeBusiness+IDR 4,000,000
Fommoney · Follow the money.A · Clean Minimal

The numbers in the preview above are example data that show the layout differences. They are not performance claims or user data.

Data control

Finance software should not make quiet decisions for you.

The Web app works fully without Telegram

The bot is a companion, never a requirement for using Fommoney.

Financial deletes use soft delete

Deleted entries move to a trash area and can be restored instead of disappearing.

Different currencies are not summed

Totals only combine wallets in the same currency, and other-currency wallets are shown separately.

The data you enter is never translated

Changing the interface language never changes wallet names, notes, custom categories, merchants, projects or invoices.

Fommoney · beta

Start with your first wallet. The rest can wait until you need it.

Beta version: features and interface can still change. Questions, bug reports or feature requests can go to hello@shadore.dev.

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