Own every fact about your money.
Your financial life is spread across an accounting system, bank feeds, spreadsheets, portfolios and a folder of statements. ownpurse pulls all of it into one record on your own machine, a log of facts that only ever grows, so you and your agents can make sense of it together.
ownpurse demo # try it offline, no setup$ ownpurse sync all roast · hold · 3 sources · 214 new versions · chain verified agent 3 card payments are split between roast and household. agent Two halves are posted. One is held: bill-2041/b household · Home upkeep 32.80 ◌ held proposed by agent, waiting for you roast 53.60 household 32.80 card 4417 (86.40) ● balanced once posted hint: ownpurse tui · press p to post
Your books no longer live in one place.
A business on Xero, a household in a spreadsheet, a card that pays for both, a brokerage account, a folder of PDFs in a cloud drive. Each holds part of the truth, and none of them will show you the whole.
Locked in your provider
Your history lives in someone else's database, shaped by their chart of accounts and their export button.
Rationed by the API
A new Xero app gets 1,000 calls a day per organisation. Real analysis runs out of calls before it runs out of questions.
Exported and stashed
Every question starts with a CSV, a spreadsheet and an afternoon. Next month you do it again.
Moving is a nightmare
Switching bookkeeping systems means rebuilding years of history by hand, or leaving it behind.
Your financial data belongs to you, not to the tool that recorded it.
On your machine
The record is a file you hold, on your laptop or your own server. Reading it costs no API calls and sends nothing anywhere.
Complete and tamper-evident
Every version of every document is kept. A SHA-256 chain proves nothing was edited after the fact.
Portable by design
Changing providers becomes one sentence: here is my data, make it work there.
Connectors were the bottleneck. Agents removed it.
Tools that tried to unify personal and business finance were ahead of their time. Every bank, every provider, every spreadsheet needed a connector, and someone had to build and maintain each one.
An agent can now write a connector for your bank's export in an afternoon. The hard problem has moved: once everything arrives, where does it go, and how do you make sense of it? ownpurse is that place.
Atomic facts over time. Every view is a query.
Underneath, ownpurse keeps one kind of thing: a fact. This entity has this attribute with this value, as of this moment, from this source. A correction is a new fact; nothing is overwritten. A profit and loss, a household budget and a card reconciliation are all questions asked of the same facts.
$ ownpurse show bill-2041 --history| Entity | Attribute | Value | Tx | Source |
|---|---|---|---|---|
| bill-2041 | amount | 86.40 | 1184 | xero |
| bill-2041 | paid-by | card-4417 | 1184 | xero |
| bill-2041/a | book · account | roast · 6420 Repairs | 1185 | xero |
| bill-2041/b | book · account | household · Home upkeep | 1191 | sheet |
| stmt-0930/17 | line | Hardware Depot 86.40 | 1190 | bank |
$ ownpurse pl roast --from 2026-09-01 --to 2026-09-30| Account | Book | Amount |
|---|---|---|
| 4000 Sales | roast | 18,240.00 |
| 5000 Cost of sales | roast | (7,512.40) |
| 6100 Rent | roast | (2,400.00) |
| 6420 Repairs | roast | (53.60) |
$ ownpurse gl household --from 2026-09-01 --to 2026-09-30| Account | Source | Amount |
|---|---|---|
| Groceries | sheet | 611.45 |
| Home upkeep | sheet | 32.80 |
| Childcare | bank | 1,180.00 |
$ ownpurse gl --account card-4417 --from 2026-09-01 --to 2026-09-30| Line | Book | Debit | Credit |
|---|---|---|---|
| Hardware Depot, repairs | roast | 53.60 | |
| Hardware Depot, home | household | 32.80 | |
| Statement line 17 | bank | 86.40 |
Your agent builds the view. You decide what gets posted.
Instead of digging through the complexity yourself, work through it together. An agent finds the facts, shows you the view, and walks you through what it found. Reconciliations, manual journals and reports become small, reviewable events on top of the record.
Simple at the bottom. Yours at the top.
The closer you get to the record, the less ownpurse decides for you. Facts at the base, a small daemon above them, and a CLI that does everything, so you and your agents can build any tool or view on top. A fast terminal UI comes with it.
How it worksXero today. Anything with your numbers in it, next.
A connector only has to turn a source into facts. The record, the views and the agents work the same for all of them, and anything you write back goes out as a planned, recorded operation.
Xero
availableEvery organisation from one login: invoices, bills, bank transactions, journals, reports and attachments.
QuickBooks Online
plannedThe same record and views for books kept in QuickBooks.
Bank exports
plannedCSV, OFX and QIF statements, matched to what your books already say.
Spreadsheets
plannedHousehold budgets, trackers and the one sheet you keep for everything else.
Portfolios
plannedBrokerage and retirement holdings, as positions and transactions over time.
Files
plannedStatements and receipts in a cloud drive or a local folder, read into facts with their source attached.
Want a connector sooner? Writing a connector explains what one has to do.
It always was, and always will be, atomic events over time.
Bookkeeping got complicated. The thing underneath never did. ownpurse gives it back to you.