Double-entry, automatic
Every transaction posts a balanced journal entry. Your balance sheet, income statement, and cash flow are always live — never stitched together at year-end.
1010Cash+$6,420.00
4000Salary−6,420.00
Δ$0.00 · balanced
Modern double-entry bookkeeping for personal finance. Bank sync via Plaid, investment tracking, scenario planning, and an AI that actually reads your books.
Every Ribbit dollar has a debit and a credit. The math is honest, the reports are real, and your books actually balance — without you doing the accounting.
Every transaction posts a balanced journal entry. Your balance sheet, income statement, and cash flow are always live — never stitched together at year-end.
Connect checking, credit, brokerage, and 11,000 other institutions. Ribbit pulls the last two years of transactions and keeps everything fresh, automatically.
Net worth over time, income vs expenses, savings rate, runway, category trends — pre-built reports that read straight from your live ledger.
Drop a grocery receipt in, and two lines of accounting appear: cash goes down, groceries go up, totals reconcile. Run a balance sheet a second later and it reflects the change.
| Account | Debit | Credit |
|---|---|---|
| 5300Groceries | $84.31 | — |
| 2100Amex Platinum | — | $84.31 |
| Totals | $84.31 | $84.31 |
Eight tool calls connect Claude directly to your ledger — search transactions, compute reports, run scenarios, even write a quick Python analysis. No hallucinated numbers, just receipts.
| Date | Description | Category | Account | Amount |
|---|---|---|---|---|
| May 14 | Trader Joe’s | Groceries | 2100 Amex | −$84.31 |
| May 13 | Acme Inc. | Salary | 1010 Chase | +$6420.00 |
| May 13 | Atlas Coffee | Dining | 2100 Amex | −$6.25 |
| May 12 | Public.com | Dividend | 1500 Brokerage | +$18.42 |
| May 12 | Caltrain | Transport | 2100 Amex | −$10.50 |
| May 11 | PG&E | Utilities | 1010 Chase | −$142.18 |
| May 11 | Whole Foods | Groceries | 2100 Amex | −$68.94 |
| May 10 | Apple.com | Subscriptions | 2100 Amex | −$9.99 |
Ribbit imports the last two years on connect, categorizes intelligently, and lets you split, transfer, or recategorize without breaking the ledger. The table is keyboard-first because finance is keyboard work.
The planning grid runs your real ledger forward, then lets you fork it. Buy a $35k car on a 5-year loan, increase rent by 8%, max your 401(k) — see runway, net worth, and cash flow rewrite themselves.
Everything you need to track, understand, and plan your finances. Upgrade when you want AI on your side.
Full-featured personal finance, no strings attached.
AI-powered insights to make smarter decisions.
Connect your first account in under two minutes. The dashboard fills in from there.