Drachma: Expenses & Net Worth

Drachma is for people who already track their money deliberately (usually in a spreadsheet) and want the same control without the upkeep. It plans what’s coming, keeps track of money owed, and checks your records against what you actually hold. DOES YOUR LEDGER BALANCE? Most expense trackers tell you what you spent. Drachma also tells you whether the record is complete. The Balance Check compares what your finances should add up to against what you really hold: every account at once, plus money people owe you and refunds you’re waiting on. When the gap is zero, your records line up with what you actually hold. MONEY OWED, IN BOTH DIRECTIONS Split a bill, cover a friend, or wait on a deposit. The Balances section tracks what you’re owed and what you owe, including partial payments, in the same book as your budget, so lending £40 doesn’t look like spending £40. PLAN WHAT HASN’T HAPPENED…