Twentry

Private accounting for your phone

Your money, in plain text, on your phone.

See your balance, transactions and reports on your phone.

Coming soon to the App Store
Money flow: where the money came from and where it went
Home: net worth, getting started and your accounts, in the sample journal
Transactions, grouped by day

Plain text in, real books out

Readable files you own. Real accounting on top.

Every transaction is a few lines of text in a file that belongs to you. Twentry works with it on your phone, and Ledger and hledger on your computer read the same journal.

  • Open the journal you already keep, or start a new one in a minute.
  • Ledger checks every change before it's saved.
household.ledger
2026-10-24 * Corner Market
    Expenses:Food:Groceries        55.40 USD
    Assets:Bank:Checking

2026-10-24 * City Taxi
    Expenses:Transport:Taxi         9.20 USD
    Liabilities:CreditCard

2026-10-25 * Salary
    Assets:Bank:Checking         3200.00 USD
    Income:Salary
The journal's own text, editable in the app

On-device AI

Write it the way you'd say it.

Type a sentence, dictate a voice note or share a screenshot of a payment. Twentry proposes the entries; you check and confirm them.

Optional. The model runs on your iPhone and nothing from your journal is sent anywhere. It's downloaded once (2.5–4.6 GB), when you choose one.

Propose with AI: a sentence to turn into entries
taxi 6.80 cash; coffee 3.40 by card
Expenses:Transport:Taxi6.80 USD↳ Assets:Cash
Expenses:Food:Coffee3.40 USD↳ Assets:Bank:Checking
✓ Ready to save

Every amount is checked against what you wrote.

Reports

See where it went, and where it's going.

Build the dashboard that suits you. Follow spending, cash flow and net worth by period and category, and see amounts as recorded or estimated in your home currency.

  • Spending pace
  • Money flow
  • Cash flow
  • Net worth
Spending over time and cash flow
Net worth over time and what it's held in

Everything careful books need

Bank statements

Import the statements your bank exports as CSV or Excel files. You check every line before it's saved.

Share from your bank's app

Share a payment's screenshot to Twentry, and it becomes an entry to check.

Backups built in

Every change keeps a previous version ready to restore.

Any currency

Accounts in several currencies, with prices, and totals estimated in your home currency.

Monthly budgets

Set a budget for each category and see, month by month, what's spent and what's left.

Private by design.

Your journal stays on your iPhone, and in your own GitHub repository only if you connect one.

No account

Nothing to sign up for, and nothing to sign in to.

No servers

Twentry has no servers of its own. Nothing is uploaded to us.

No tracking

No analytics, no advertising, no tracking of any kind.

Read the privacy policy

Questions

Do I need to know Ledger?

No. Start a new journal or look around in the sample one; Settings › About › How Twentry works explains the idea in a minute.

Which iPhones run the AI?

The AI runs on the iPhone itself, so how well it works depends on your iPhone's memory: the larger, more accurate models need more. The app suggests the most accurate model that fits your iPhone and marks the ones that may not. On an iPhone with little memory no model may fit.

Can I use my own journal?

Yes. If you already keep a Ledger journal, open it from Files and Twentry works on a copy. Or start a new journal in the app.

More answers on the support page

Keep your books close.

Ready when you are.

Coming soon to the App Store