Everything your household’s money needs
Simple on the surface, rigorous underneath. Every action becomes a balanced double-entry record, so your numbers always add up.
Money in and out
The everyday: what comes in, what goes out, and where it sits.
Income
Salary, rent received, freelance income and more, each to its own category.
Spending
Against clear categories — or create a new category right where you are.
Split bills
Pay for a group: your share is spending, the rest is owed to you by name.
Transfers
Move money between your own accounts without it counting as spending.
Refunds
Money coming back is recorded against the original spending.
Recurring items
Bills, income and investments post themselves on schedule, and can be paused or skipped.
Budgets
Monthly budgets by category or tag, compared with what you actually spent.
Built-in calculator
Work out an amount right inside the field, on desktop and phone.
Money with people
Money between you and the people in your life.
Money owed to you
Lend money or pay on someone’s behalf, and see what they owe you.
Money you owe
What you need to pay back, with expected dates and reminders.
Net balance per person
One figure per person, after what you owe each other.
Settling up
Repayments either way settle the balance — never counted as income.
Investments
What you have put in, and what it is worth today.
Holdings
Shares, funds, gold and other investments, each with its own register.
Contributions
Money put in from any account, with units and price if you like.
Investment plans
Regular monthly contributions that post themselves.
Valuations
Record today’s value to see your gain and an up-to-date net worth.
Property & assets
The things you own, in the same books as everything else.
Property
Homes and land at cost and at current value.
Vehicles & other assets
Anything of value you want in your net worth.
Joint ownership
Own something with someone else by percentage — only your share counts.
Buying & selling
Purchases and sales recorded properly, including any gain or loss.
Loans & cards
What you owe, kept honest.
Loans & mortgages
The balance outstanding and every payment against it.
Credit cards
Card spending increases what you owe; paying the card brings it down.
Secured loans
Link a mortgage or loan to the property or vehicle it is secured on.
Goals
Know what you are aiming for.
Savings goals
Set a target and follow your progress over time.
Income targets
Set what you want to earn in a period and see how you are doing.
Income allocation
See how the income you earned was put to work.
Invoices & bills
For side income and freelance work — not a business accounting system.
Invoices
Issue invoices with your own logo and details, then record payments as they arrive.
Private invoice link
Send a client a link to view and print the invoice.
Bills
Bills you need to pay, and when they are due.
Bank statements
Bring your bank’s data in and make sure it matches.
Statement import
CSV or Excel (XLSX) statements from your bank or card.
Matching & rules
Match lines to what you already recorded, categorise the rest, and save rules for next time.
Reconciliation
Tick off cleared items against your statement balance.
Undo an import
Imported the wrong file? Undo it cleanly.
Sharing & currencies
Your books, shared the way you choose.
Invite a partner
A partner can record and edit alongside you.
Invite an adviser
Give an adviser or accountant view-only access.
Several sets of books
Keep separate books — for example personal and a rental property.
Multi-currency
Accounts in any currency, with dated exchange rates and revaluation.
Tags
Report by property, family member, trip or project across every account.
Accounting, under the hood
For when you want to see the workings.
Double-entry
Every entry balances, and FiveTips checks the integrity of your books.
Chart of accounts
Group accounts under headings, or import your own chart.
Opening balances
Start from where you are today, account by account.
Manual journals
Multi-line adjustments with draft, post, reverse and correct.
Close a period
Lock a past period so it cannot change by accident.
Audit trail & attachments
See who changed what, and keep receipts with the records they belong to.
Reports
Clear answers from your own numbers — 18 reports in all.
Net worth & balance sheet
What you own, what you owe, and how it has changed over time.
Income & spending
Your personal profit and loss for any period, and spending by category.
Cash flow
Where money came from and where it went.
People & ageing
Who owes what, and for how long.
Ledgers & trial balance
A general ledger for any account and a full trial balance.
Export & print
Any report to a spreadsheet, or printed.
On every device
Wherever you are when the money moves.
Phone and computer
Designed for both, with a quick Add button always in reach on the phone.
Install it
Add FiveTips to your home screen like an app.
Alerts
Low balances, large spends, bills and card payments coming up.
Your data, portable
Download spreadsheets or a full backup at any time.
Try it with your own numbers
14 days free with full access. No payment details needed.