Double vs Folioz

What is the best way to do bookkeeping? Here is my story. In the early nineties, I started bookkeeping for my small business and for my private household with paper, pen and pocket calculator. After twelve months of collecting journal entries, I needed eight hours to calculate my balance sheet and my profit and loss statement. Technically, I succeeded with spreadsheets, but in the long run that wouldn't be an option for me, so the spreadsheets never went productive. Instead, I developed a database with built-in forms, which worked well. In the late nineties, when the World Wide Web was just invented, I went on creating an online Enterprise Resource Planning solution (SaaS), which was by far too early for the market. The next step was a step backward. A database with two tables and two SQL scripts to calculate balance sheets and profit and loss statements. A raw technical solution without a user interface, which later became the basis for this smartphone app. Balance sheets and profit and loss statements get calculated in less than a second. It takes two minutes per week to get my personal bookkeeping done. That's two hours per year. So this is it and I share it with you. A selection of the features - Distraction-free user interface with simple workflows - Simplifications for recurring journal entries - All user entries can be updated - Automatic balance transfer between calendar years - Budgeting without additional data input - Backup and restore on app level - Multi-client capability Last but not least: You can export your data as a JSON file, hash it using standard software and store it in an audit-proof manner. Some words about privacy. The philosopher Immanuel Kant (1724 - 1804) demanded with his categorical imperative:  "Act only according to that maxim whereby you can at the same time will that it should become a universal law." The app is no trick to get your personal data. The app is software. The app respects your privacy. The app serves the sole purpose of being useful with the functionality you see in the user interface. The app does not prompt you to accept cookies or to sign in. The app stores your data on your own device and does not connect to external systems. The app was developed exclusively with native iOS technologies and not with risky third-party software. The app does not contain any advertising and there are no limits, no subscriptions or in-app purchases. The app is updated regularly.

Folioz is a modern personal finance app designed to help you understand and manage your money with clarity. Instead of hiding your finances behind complex charts or opaque summaries, Folioz is built around a personal ledger concept inspired by double-entry bookkeeping. Every transaction is clearly recorded, making your financial situation transparent and easy to reason about. Whether you want to track daily expenses, manage accounts and assets, or simply understand where your money is going, Folioz provides a clean and structured foundation for long-term personal finance. Key Features • Personal Ledger System Record income, expenses, and transfers in a clear, ledger-based format inspired by double-entry bookkeeping. • Expense & Income Tracking Organize transactions by accounts and categories to understand how money flows through your finances. • Account & Balance Management Track balances across cash, bank accounts, credit cards, and other accounts with consistency and accuracy. • Structured & Minimal Design A calm, focused interface designed to reduce noise and help you concentrate on what matters. • Flexible for Everyday Use Suitable for simple household budgeting as well as more structured personal finance workflows. Designed for Clarity Folioz is not about chasing trends or overwhelming you with features. It is built for people who want a clear, honest view of their finances, based on structure rather than guesswork. The ledger-based approach makes it easier to: • Understand how transactions affect your balances • Review past financial decisions • Build sustainable money habits over time Privacy First Your financial data belongs to you. • Data is stored locally on your device • No account registration required • No ads and no tracking • No selling or sharing of personal data Folioz is designed to respect your privacy while giving you full control over your financial records. Who Is Folioz For? • Anyone looking for a simple, reliable expense tracker • Users who prefer structure over automation • People interested in long-term financial awareness • Those who value clarity, privacy, and thoughtful design Start Building Financial Clarity Folioz gives you a solid foundation to understand your money — clearly, calmly, and on your own terms. Download Folioz and take control of your personal ledger today. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/