From the ledger
Notes on building a private finance app.
Plain explanations of how Amunta actually works — verified against the app's own source code, not written by a marketing brief. No growth-hacking, no slogans we can't back up.
Privacy and data control
Why Amunta Does Not Require an Account
Manage expenses, debts, and budgets without an account, with optional two-person sharing when you need it.
Read the article →Real Privacy in a Finance App: What "No Account" Actually Means
Most apps say "we respect your privacy" in a settings menu nobody reads. We opened our own source code instead and wrote down exactly what happens to your data — including the one nuance most "encrypted" claims leave out.
Read the article →Local-First vs Cloud-Based Finance Apps
A practical comparison of privacy, convenience, access, and control without unnecessary technical jargon.
Read the article →What Actually Needs the Internet — and What Doesn't
Turn off the connection entirely and see what actually breaks. We held ourselves to that test — here's the specific, short list of what needs the internet, and the much longer list of what doesn't.
Read the article →A-Link and sharing between two people
What Is the Difference Between A-Link and A-Link+?
A clear guide to A-Link transaction sharing, A-Link+ approval for debt changes, encryption, relay deletion, and when each mode fits.
Read the article →How Two People Share One Ledger Without Double Entry
One link mode auto-confirms shared transactions on delivery. The other holds anything that affects a debt until the other person actively accepts it. Here's exactly which is which, verified in the sync logic itself.
Read the article →How to Transfer an Amunta Transaction by QR Code Offline
How two phones transfer an Amunta transaction by signed QR code without a server, including currency checks, identity checks, and duplicate prevention.
Read the article →Money and debt management
The Best Apps to Track Debts and Expenses in 2026
We build one of the apps in this comparison, so we skipped the fake neutrality: what Splitwise, Khatabook, OkCredit, Money Manager and Wallet each do best — and exactly when you should pick one of them instead of us.
Read the article →How to Track Debts and IOUs Without a Spreadsheet
A spreadsheet shows you a new number. It doesn't tell you that a single payment was actually a full repayment plus a new loan in the other direction. Here's the real logic that does.
Read the article →How to Track Expenses Without Excel
Spreadsheets are powerful, but they are not always the easiest way to manage daily expenses, debts, budgets, and shared records.
Read the article →The Best Way to Manage Family Expenses
Family spending becomes easier to manage when everyone can understand what was spent, what is shared, and what needs attention.
Read the article →How to Keep Track of Money Owed Between Friends
A simple guide to tracking small debts, repayments, and shared expenses without losing the story behind each amount.
Read the article →Offline Expense Tracking That Actually Works
A practical offline routine for expenses, income, debts, and budgets, with an example that separates spending from lending.
Read the article →Feature and usage guides
One Invoice Screen, Whether You Get Paid Today or Later
A cash sale and an "I'll pay you later" sale end up looking completely different almost everywhere — one has a real record, one doesn't. On this invoice screen, they look exactly the same.
Read the article →Encrypted Google Drive Backup: What Happens to Your Data?
How Amunta creates an encrypted backup, optionally stores it in your own Google Drive, restores attachments, and keeps core use offline.
Read the article →Amunta or Amunta+? The Practical Difference
A practical comparison of free Amunta and Amunta+, including multiple funds, transfers, payment fees, offline use, and privacy.
Read the article →Budgets, Installments, and Reminders in Amunta
A practical guide to weekly, monthly, and yearly budgets, installment plans, local reminders, partial payments, and completed-period snapshots.
Read the article →From an Invoice to a Searchable PDF Statement in Amunta
How Amunta handles cash and pay-later invoices, products, signatures, attachments, linked debts, and searchable PDF reports offline.
Read the article →A Personal Finance App That Speaks Fula, Wolof, and Soninke
Android and iOS often don't offer Fula, Wolof, or Soninke as a system language at all — so an app that only follows your phone's OS setting can be unreachable no matter what it claims. Here's how we handled that, and proof the translations are real.
Read the article →