Your household’s money, in one clear picture.
Bank accounts, cards, spending, investments, property, loans — and the money that moves between you, family and friends. You record things in plain words; FiveTips keeps proper books behind the scenes, so every number adds up.
- 14 days free, full access
- No payment details to start
- Works on phone and computer
The real app, showing example figures from demo books.
The whole picture, not just the spending
From a coffee on your card to your share of a flat you own with someone else — in the currencies you actually use.
Income & spending
Record what came in and went out, and see where it goes by category and month.
Bank, cash & cards
Every balance right, including card spending, card repayments and transfers.
Investments
Shares, funds and gold: what you put in, what it is worth now, and monthly plans.
Property & assets
Homes, vehicles and other things you own — including a share owned jointly.
Loans & mortgages
What you still owe, the payments against it, and what it is secured on.
Money with people
Who owes you, who you owe, split bills and settling up — with each person’s net balance.
Goals & budgets
Savings goals, income targets and monthly budgets that follow your real numbers.
Reports
Net worth, balance sheet, income & spending, cash flow and people balances.
Say what happened. FiveTips does the accounting.
Pick “Spending”, “Paid for someone” or “They paid you back”, fill in the amount, and you are done. Behind it, every entry is a balanced double-entry record.
- Split a bill — your share is spending, the rest is owed to you by name.
- Built-in calculator in every amount field, on the phone too.
- Recurring items — rent, salary and monthly investments post themselves.
- Bank statements — import CSV or Excel files, match and categorise in bulk.
Know exactly who owes whom
Lend to a friend, pay a bill for your brother, share rent with a flatmate. FiveTips keeps a running net balance for every person — money for someone else never shows up as your income.
- Net per person, after what you owe each other.
- Expected dates and reminders for money due back.
- Repayments settle the balance — never counted as income.
A real balance sheet for your household
Accounts in dirhams, dollars and rupees; a flat in Pune; a fund in the US; the family car. FiveTips values everything in your home currency with dated exchange rates and shows what you are worth — with a balance check on every report.
- Multi-currency accounts, dated rates and revaluation.
- Joint ownership — only your share counts towards your net worth.
- 18 reports, from net worth history to a trial balance — export to a spreadsheet or print.
Accounting you can trust — whether or not you are an accountant
The same principles a business uses, working quietly underneath. If you like to see the workings, they are all there.
Every entry balances
Debits equal credits on every record, checked by the database itself — not just the screen.
History is never rewritten
Edits and deletions are recorded as reversals, with a full audit trail of who changed what.
Close a period
Lock a month once it is reconciled so nothing earlier changes by accident.
Up and running in an afternoon
Create your account
Sign up with your email. Your 14-day free trial starts straight away.
Add what you have today
Bank accounts, cards, loans and what you own, with the balances you start from.
Record as you go
Everyday items in plain words, statements by import, regular items on their own.
See where you stand
Net worth, cash flow and where the money goes — on the dashboard and in reports.
Only you and who you invite
Every set of books is sealed off in the database itself. Invite a partner to record with you, or an adviser to view only.
Kept when a trial ends
After the trial you carry on for free — nothing is deleted. Upgrade to Pro and it all becomes editable again.
Take it with you
Download your records as spreadsheets or a full backup at any time, from Settings.
Good to know
How does the free trial work?
Every new account gets 14 days of full access, set by our servers when you sign up. No payment details are needed to start.
What happens to my data when the trial ends?
It stays exactly as you left it. Your account moves to the Free plan — income, expenses and transfers, 20 a month — and everything else stays visible. Compare plans or upgrade to Pro at any time.
Do I need to know accounting?
No. You choose what happened in plain words — spending, income, paid for someone, money lent — and FiveTips writes the accounting entries. The detail is there if you want it: trial balance, general ledger and manual journals.
Which currencies can I use?
Any. You choose a home currency, then hold accounts, investments and property in other currencies with dated exchange rates. Reports are in your home currency.
Can I share my books with my partner or accountant?
Yes. Invite a partner who can record with you, or an adviser who can view but not change anything. Each person signs in with their own account.
Does it work on my phone?
Yes. FiveTips works in any modern browser, and you can install it on your phone’s home screen like an app.
Is FiveTips for businesses?
FiveTips is built for households. It handles side income and freelance invoices well, but it is not a business accounting or tax system, and it does not give financial advice.
See your whole picture this week
Start free for 14 days. Your data is always kept.