What can Accountable do?

What can I track in Accountable?

Every income and expense you type in, with an amount, category, date, notes and an optional receipt photo. There is no cap on how much you log and no charge for logging it.

Income and expenses — Amount, category, date, notes. Optional receipt photo, stored privately.

Quick add, in plain words — Type “coffee 4.50 yesterday” and the form fills itself in — amount, day, tab and a category guess — and shows you what it read before it saves. On Android, long-press the installed app’s icon to go straight to it.

Search and filter — By period, type, category or text — across everything you have ever logged.

Swipe to delete, tap to edit — And an Undo that actually restores the same row, for eight full seconds.

Categories that are yours — Seventeen to start. Rename them, recolour them, archive the rest — and add a new one from inside the entry form the moment you find one missing.

Transfers that do not lie — Moving money to savings is not spending. Transfers are recorded and kept out of the totals.

What does Accountable do automatically?

It books your recurring payments on the right day, without you opening the app, and finds the ones you have not set up yet in what you have imported. What you spend is still typed by you, because typing the number is what makes you notice the number.

Recurring entries — Weekly, fortnightly, twice monthly, monthly, quarterly or yearly.

Repeating charges, found for you — Import a statement and the Recurring screen lists the subscriptions and bills in it that are not set up yet. One tap tracks one, from its next due date, without booking anything twice.

Booked overnight — They appear on the right day without you opening the app.

Amounts that change — Record a new figure from a date forward; the schedule and history survive.

Pause and resume — Cancelled the gym for a month? Pause the rule; keep the history.

Delete one or all future — End a schedule from today forward without touching what already happened.

How does Accountable help me understand my spending?

It answers the four questions you actually have — what is left, what came in, what went out, and what changed — before you have to scroll or calculate anything. Budgets warn you at 85% rather than reporting the overspend afterwards.

Balance, in and out — Four figures that answer “can I afford this” before you scroll.

Six-month cash flow — The shape of your year, not just this month.

Where it went — A category breakdown that names the top five and lumps the rest.

Insights worth reading — What moved since last month, compared fairly against the same day.

Budgets with early warning — Amber at 85%, red past 100% — while you can still do something.

A forecast on the calendar — Your balance day by day to the end of the month, from the recurring entries still due, and what is safe to spend today. Marked as a forecast, never added to a total.

Notes beside the numbers — Why a month looked like that, what a bank quoted you, what the plan is.

Can I move my data in and out of Accountable?

Both directions, all of it, at any time, including during the free trial. One click exports every transaction, category, income source and recurring rule as CSV, and the importer reads whatever your bank actually gives you — CSV, Excel, OFX, QFX, QBO, QIF, and PDF statements that contain real text — from Mint, YNAB, Monzo, a raw bank statement or an Accountable export. There is no export fee, and the export is one of the few things that keeps working after a subscription lapses — your own records are never the thing being held back.

Export everything — CSV, or a full archive — Transactions, categories, income sources, recurring rules. All of it.

Import your history — Mint, YNAB, Monzo, a bank statement or an Accountable export — as CSV, Excel, OFX, QFX, QBO, QIF or a text PDF. Validated first, with a preview of exactly what will change.

Duplicates caught, not doubled — A row already in your ledger is flagged rather than imported twice, and a near-match you disagree with can be overridden.

Works offline — Keep typing on the train. It syncs the moment you reconnect.

Yours alone — Row-level security in the database means nobody else can read your rows.

What do the savings and investing tools do?

They show what the money you did not spend could become, with the arithmetic on screen rather than hidden behind a single confident number. Fourteen high-yield accounts are compared on what you would actually end up with rather than on the headline rate. Seventeen index funds with their fees, ten-year returns, dividend yields and risk levels, plus a growth projection you can change every assumption in.

Savings that keep up: Adjustable rate, not a fixed assumption Compare against a typical big-bank rate Copy the whole comparison as text

Investing, explained honestly: What an ETF actually is Dollar-cost averaging, without the jargon The same projection at ±3%, so no figure looks like a promise

Educational only, and not financial advice. Rates and returns are a dated snapshot — the app tells you how old they are and warns you when they have gone stale.

Which features are included?

Every one of them. There is a single plan at $5 a month, and it contains the ledger and quick add, the dashboard, the calendar and its forecast, notes, budgets, recurring entries, receipts, import and export, and the savings, investing and debt-payoff tools. Nothing is sold separately and there is no tier above it. The first 30 days are free, and cancelling inside them costs nothing.

What does Accountable know about me?

Only what you type in, plus any file you choose to import yourself. There is no bank connection to make, no statement scraped on your behalf and no aggregator in the middle, so there is nothing about your accounts for anyone to lose.