Nestbrook has been keeping household books since 2009, and today about 340,000 families balance their month here. You get one place for accounts, bills, goals and the odd side income, and you decide how much of it shows up on the first screen. Plenty of people arrive just to see where the grocery money goes, and stay because the same ledger quietly turns into a ten-year picture of what they own and what they owe.
Flow runs in the browser and on the phone, and is built around the month you are in: what came in, what is due, what is left. Ledger is the desktop tool for people who reconcile to the penny, track cost basis and keep a decade of records in one file.
Every plan includes account sync, bill reminders, goal tracking and export to spreadsheet. Paid tiers add investment tracking, joint access for a partner and priority answers from a real person.
Tell us within 45 days of your first charge and we return the whole amount — no form, no exit survey. The money is back on the same card in roughly a week.
Everything is encrypted on the way in and while it sits on disk, sign-in supports a second factor, and our controls are checked each year under a SOC 2 Type II audit.
No. We are paid by subscription only. Your balances and transactions are never sold, rented or handed to advertisers, and you can delete the whole account whenever you like.
Yes. One seat covers the browser, both desktop builds and the phone app. Edits made on one device show up on the others within a few seconds.
The app works anywhere, and balances can be shown in eleven currencies. Automatic bank sync currently reaches institutions in nine countries; elsewhere you can import a statement file.
Nothing is erased. The account drops to read-only, so you can still open, search and export every year of records — sync and new entries switch back on the day you resume.
Any browser released in the last three years, or a desktop machine bought since 2019. The phone app wants a handset from the past five years and 240 MB of free space.
Book a free half-hour with a setup guide and we will connect your accounts and shape the first budget with you. Written help runs seven days a week from 7am to 9pm.