Build a local-first cashbook centered on fast manual entry, reliable account reconciliation, transfers, planned transactions, partial loan repayments, receipt attachments, and net-worth history. Users can optionally import bank files, but every imported item remains reviewable and editable. The initial product should prioritize an auditable transaction ledger and dependable backup over broad financial advice or complex budgeting features.

The signals show users paying for finance trackers while continuing to encounter balance errors, subscription restrictions, and unwanted complexity. Demand exists for a deliberately manual, dependable alternative that preserves user control.