Does it balance?
Keep the control of a spreadsheet without maintaining the formulas. Drachma shows what you've spent, what is still coming, what you're owed, and whether your records agree with your real balances. No bank login. No ads.
The app started as a spreadsheet I actually used.
I tracked my own income and spending in spreadsheets for eight years. It worked: I could see each month, separate normal spending from one-offs, set targets, track account balances, and check whether the numbers reconciled.
What stopped working was maintaining the spreadsheet itself. Every new idea meant another formula, another sheet, and another thing that could quietly break.
It also was not portable enough for the way I actually lived. The workbook was painful to use on a phone, so proper updates usually meant sitting down at a desk. On holiday I would keep expenses in my head or somewhere temporary, then catch everything up after I got home. I wanted the same system in a screen I could comfortably read and update wherever I was.
Track what actually matters, not just what already happened
Drachma is designed around planning, reconciliation and deliberate tracking rather than passive bank feeds.
Know your records are complete
Enter real account balances and compare them with what your ledger predicts. A £0 difference means the story adds up.
See what is still coming
Recurring payments and instalments can appear before they leave your account, so the month is planned rather than rediscovered.
Track both directions of debt
Money owed to you and money you owe belong in the same financial picture as your bank balances.
See the whole month
The monthly grid makes the shape of your spending visible at a glance, not hidden behind one total.
Separate baseline from one-offs
Regular spending describes ordinary life. Extra spending keeps holidays, repairs and exceptional purchases from distorting it.
No bank credentials required
Type transactions yourself or import a statement file on-device. The bank account itself does not need to be connected.
Try the method before the app.
The downloadable workbook keeps the ideas that came before Drachma: a visual monthly grid, Regular and Extra spending, editable targets, account tracking and a balance check.
No email address required. The spreadsheet is a normal .xlsx file and works independently of Drachma.
The budgeting ideas behind Drachma
Practical guides for building a budget that reflects real life, reviewing your spending and planning what is still to come.
Regular or Extra?
A simple way to keep one-off spending from distorting the baseline you compare month after month.
Read → BudgetingYour first useful budget is a rough draft
Start with the obvious categories and make your first targets realistic, not heroic.
Read → HabitThe review habit that keeps budgets alive
The goal is not a perfect month. It is to keep looking when the numbers are uncomfortable.
Read →Want help building your budget?
I can help you organise your income and existing spending, separate regular and irregular costs, set realistic targets, and build a review routine - optionally using Drachma during the session.
- Your income and spending
- Your own goals and target amounts
- A practical tracking system
- No investment or product recommendations
Find out if it balances.
The core ledger is free to use. Plus will add optional convenience and advanced features without moving today's core functionality behind a subscription.