Paper: Checkbook Register

Paper is a checkbook register for people who still write things down — a ledger that lives on your iPhone and stays there. THE THREE NUMBERS THAT MATTER • Current — what you have right now • Cleared — what your bank has actually processed • Not cleared — what is still in flight Most apps show one balance and quietly get it wrong. Paper shows all three, so you can always see the gap between your records and the bank's. A REAL CHECKBOOK REGISTER • Checking, savings, cash and credit card accounts • Date, payee, memo, category and status on every entry • Future-dated entries, so a bill you have already written is visible before it lands • Transfers between accounts, recording any transfer fee • Search everything, and save the filters you use • A receipt photo attached to any entry • A home screen widget (small, medium or large) for your balances • Keep an account in another currency, converted into your own with a rate you type QUICK ENTRY, WITHOUT THE FAT FINGERS • A built-in keypad that cannot put the decimal point in the wrong place • Or the system keyboard, whichever you prefer • Payee learning: type a name you have used before and the category fills itself in • Recurring entries with month-end anchoring, so rent does not drift RECONCILE TO THE PENNY • Tick off what the statement shows • Paper tells you the moment the difference is zero • Finish, and those entries lock so they cannot drift afterwards • Review past reconciliations, per account SEE WHERE THE MONEY WENT • Spending by category and period • Money in, money out, and what is left over • Averages per period, with a start day that matches your pay cycle • Reports built for a household, not a hedge fund YOUR DATA, PROVABLE • A snapshot of the whole ledger, taken automatically every day • A health check that re-adds every balance at launch and tells you if anything disagrees • Restore any snapshot, or export CSV and QIF for a spreadsheet or another app • Import a bank CSV through a mapping wizard, with a preview before anything is written • 90 days of undo on anything you delete PRIVATE BY DESIGN • No account, no sign-in, no email address • No bank connection, and nothing is uploaded anywhere • No ads, no analytics, no third-party tracking • Face ID or passcode lock, so the ledger hides when you step away • Optional iCloud sync through your own private database, off by default BUILT FOR REAL EYES • Dark mode, Dynamic Type up to the largest accessibility sizes, and VoiceOver labels that read a row as a sentence • Amounts are stored exactly, not as floating point, so totals never drift by a cent FREE TO DOWNLOAD No subscription, no in-app purchases, no ads and no upsell. Everything the app does is available the moment you open it. Made for anyone who keeps a paper register, a spreadsheet, or a running note — and wants it to add up. Paper is a record-keeping tool. It is not a bank, it does not connect to one, and it does not give financial, tax or legal advice.