Description
Every budgeting app looks good until it asks you to link a bank card, upload to a cloud, or start a monthly subscription. Yapbam asks for none of that: your ledger is a file on your own disk, optionally encrypted, synced through Dropbox only if you choose to, usable with the network off and with no page nagging you to upgrade.
The main view is a transaction table — account, date, description, amount, category, payment mode, statement and value date on one row, colour-coded by direction, with transfers automatically paired on both sides. Entry remembers the category and mode you used last, so keying in a month of activity does not mean reopening dropdowns every line.
Multiple accounts and transfers: keep current, savings and credit-card accounts separately; a transfer entered once lands on both sides at the same time, so there are no half-recorded orphan entries.
Periodical transactions: define the mortgage, the phone bill and the subscriptions once and they generate on schedule — or take an existing transaction and convert it into a periodical one.
Check mode: tick transactions off against your bank statement while the footer shows current balance, final balance and checked balance side by side, which makes the gap obvious immediately.
Balance history and budget: balances are plotted over time and, together with periodical transactions, projected forward. The budget view sets a ceiling per category and shows how far over or under you landed.
Spending pie chart: where the money went over a period, broken out by category, without exporting to a spreadsheet and building a pivot table.
Receipts, debts and currency conversion: money lent and owed gets its own tracked page, and multi-currency ledgers convert in place, so a trip abroad does not need a second file.
Portable and cross platform: written in Java, it runs from an unpacked archive, uses the same package on Windows, macOS and Linux, and the ledger file opens unchanged when you switch systems.
The main view is a transaction table — account, date, description, amount, category, payment mode, statement and value date on one row, colour-coded by direction, with transfers automatically paired on both sides. Entry remembers the category and mode you used last, so keying in a month of activity does not mean reopening dropdowns every line.
Features
Multiple accounts and transfers: keep current, savings and credit-card accounts separately; a transfer entered once lands on both sides at the same time, so there are no half-recorded orphan entries.
Periodical transactions: define the mortgage, the phone bill and the subscriptions once and they generate on schedule — or take an existing transaction and convert it into a periodical one.
Check mode: tick transactions off against your bank statement while the footer shows current balance, final balance and checked balance side by side, which makes the gap obvious immediately.
Balance history and budget: balances are plotted over time and, together with periodical transactions, projected forward. The budget view sets a ceiling per category and shows how far over or under you landed.
Spending pie chart: where the money went over a period, broken out by category, without exporting to a spreadsheet and building a pivot table.
Receipts, debts and currency conversion: money lent and owed gets its own tracked page, and multi-currency ledgers convert in place, so a trip abroad does not need a second file.
Portable and cross platform: written in Java, it runs from an unpacked archive, uses the same package on Windows, macOS and Linux, and the ledger file opens unchanged when you switch systems.
