Money Book

Your book is kept inside the browser on this phone or computer. It is never sent to Wah-Kit. The only thing Wah-Kit is asked for is today’s exchange rates (just the currency code), and whether you’re signed in, to know your plan.

Then the book on that device is gone, which is why backups matter. Under Backup & settings tap Send backup on WhatsApp (send it to yourself, or to “Message yourself”), or download it. You can lock a backup with a password. To bring it back, open Money Book and choose open a backup.

A book lives on one device. To move it, send a backup to the other device and open it there. On a computer you can also keep your book in a file (for example in your OneDrive or Google Drive folder): Money Book saves into it after every change.

No. You just say “spent 45 on food from cash”. Behind the scenes every entry is written twice, once where the money came from and once where it went, the way accountants do it. That’s why your accounts always add up, and why your net worth is always right.

Give an account its own currency, say a US dollar account. Entries in it are kept in dollars; totals are shown in your home currency at today’s rate (from ExchangeRate-API, updated daily). Rates move, so your dollars may be worth more or less tomorrow: Revalue writes that gain or loss into your book. You can type your own rate any time.

Yes, if you want to: under Backup & settings, tap Set a password. Your book is then kept encrypted on your device, locks itself after a while without use (you choose how long), and backups need the password to open. On phones and computers that support it, you can also unlock with your fingerprint or face. Wah-Kit never stores your password and can’t recover it: when you set it, you get a recovery key. Please store it safely, because it’s the only way in if you forget the password.

Yes. Under Planned, tap Plan a payment: once, weekly, monthly, yearly and more, with an end if you like. When it’s due, tap ✓ Paid and it becomes a real entry (change the amount first if it was different). Planned payments don’t change your balances until you confirm them. Cash flow shows how much you’ll have in cash and bank over the next 30 days to 12 months, and warns you if you’d run short.

Due payments always show in Money Book. If you switch on reminders, this device tells Wah-Kit only which days something is due and how many, never the amounts, names or notes, and you get a notification at 9 am on the day.

Yes, under Backup & settings. Close the books moves the year’s income and spending into “Savings brought forward” and locks those entries (you can reopen them). After closing you can archive and start a new book: the old one stays on your device, read-only, and the new one starts with your balances brought forward. Reports keep showing earlier years. You can also keep several books, such as one for the family and one for a shop.

Free members: 1 bank or card account (cash doesn’t count), 5 spending and 5 income categories, 5 planned payments. Starter: 10 accounts, 20 categories, 30 planned payments. Pro: as many as you like. See plans.