Ontop Finance

Ontop Finance is a personal ledger, budget tracker, and set of real financial statements — income statement, cash flow, balance sheet — built for people who want to actually see their numbers clearly. Track spending by category, set budgets that scale automatically to any time period, attach receipts to transactions, and reconcile your accounts the way a bookkeeper would. Track TFSAs, RRSPs, loans, and money you've lent or borrowed — all rolling into one real net worth picture. Everything stays on your device. There's no account to create, no server, and nothing about your finances is ever uploaded anywhere. Built for people who want more than a spending tracker — a real, CPA-style set of books for your own life.