ISAs, LISAs & Premium Bonds
Allowance gauges with flexible-ISA rules, LISA bonuses nested inside the overall cap, and a nudge 90 days before your mortgage fix ends.
IPFA
One ledger for a life lived in many currencies.
A desktop personal finance app for people whose money crosses borders — accounts, loans, savings and investments in any currency, tracked together in a single encrypted file that never leaves your computer.
In development at Apheresa — for macOS and Windows.
| Date | Description | Amount |
|---|---|---|
| 03 Aug | Berlin flatRent, Warmmiete | −1,240.00EUR |
| 04 Aug | Cash ISADeposit · allowance 41% used | +1,650.00GBP |
| 05 Aug | Toronto mortgagePayment 141 of 300 · interest 611.09 | −1,812.44CAD |
| 06 Aug | ASB savingsMonthly saving | +500.00MYR |
| 07 Aug | Murabaha autoInstallment 9 of 48 | −1,150.00AED |
| 08 Aug | Vanguard ISADividend, VWRL | +86.20GBP |
| Net this week, in GBP≈ converted at today's rates | ≈ +1,043.87GBP |
Household.fmgr
Password-lockedOn your disk
Private by architecture
Your finances are a file, not an account.
Everything — every account, transaction and report — lives in one password-locked .fmgr file on your own disk. No cloud, no sign-up, no server.
- Open it like a document — double-click the file, enter your password, you're in.
- Back it up like a file — iCloud, Dropbox, a USB stick; it stays encrypted wherever it goes.
- Automatic local backups, with detection when the file changed outside the app.
- Undo and redo, everywhere — even deleting an account can be taken back.
Built international
It speaks your country's money.
Most finance apps assume one country. IPFA models the products people actually hold — by name, with the rules that make them awkward everywhere else.
Mortgages & TFSA room
Semi-annual compounding, 25-year amortization in 5-year terms with renewals, and TFSA room that carries forward and comes back after withdrawals.
Zinsbindung & Bauspar
Fixed-rate periods with the Restschuld shown at maturity, and Bausparvertrag premiums credited on your say-so.
Livret A & PEA
Balance ceilings on regulated savings with headroom gauges, and a PEA-PME ceiling nested inside the PEA's combined cap.
Murabaha, Ijara, Musharaka
Contracts modeled as contracts — not disguised as interest — plus profit-paying accounts and a Zakat report.
Rates as they're quoted
Effective-monthly rates in Brazil and Turkey, effective-annual in Colombia, flat-rate loans in India and MENA. Enter the number on your contract.
Savings clubs
Stokvels, chamas, tandas and tontines — rotating savings recorded properly, with your payout turn on the calendar.
Formats & calendars
Numbers, dates and calendars follow your region — non-Gregorian calendars included — and NISA-style quota reuse is a setting, not a workaround.
A built-in Countries guide — already covering 66 countries — turns your country's real retail products into field-by-field recipes, each tagged as an exact match or a documented approximation.
The loan engine
Amortization that matches your bank's paperwork.
Five loan shapes — repayment, interest-only, balloon, equal-principal and flat-rate — under four rate bases, with deferrals, weekly and biweekly schedules, and accelerated payments.
- The schedule foots to the cent. Every payment splits into interest and principal; any rounding lands in the last row.
- Rates change; history doesn't. Record a rate change from any date — posted payments are never rewritten.
- Renewals modeled honestly. Amortization period vs term shows the residual you'll refinance, the way Canadian and German loans actually work.
Term sheetToronto mortgage
- Contract
- Repayment · semi-annual (CA)
- Principal
- C$420,000.00
- Rate
- 5.34% · fixed until 06/2028
- Payment
- C$1,812.44 · biweekly, accel.
- Term
- 60 mo of 300 amortized
- Residual at maturity
- C$361,480.15
An estimate — the posted amortization schedule is authoritative.
The whole book
Everything a ledger should carry.
Multi-currency accounts
Per-currency balances in one account, honest handling of sub-unit codes like GBp at import.
Imports
CSV in any regional format, OFX Direct Connect and FinTS bank connections, duplicate detection that survives conversions.
Scheduled & bills
A bills reminder hub, calendar view, installment plans, and estimates marked ≈ until they post.
Budgets
Category budgets and full envelope budgeting, with history to hold yourself to.
Investments
Securities, dividends, capital gains, and price tracking for gold and other commodities.
Reports & Tax Pack
Capital gains with country presets, sheltered accounts excluded and disclosed, and a Zakat report.
Forecasts & what-if
Cash-flow forecasts that replay the real posting engines, plus what-if scenarios for rates and plans.
Savings goals
Goals with milestones on every savings account, and gauges for caps and ceilings.
Reconciliation
Statement-by-statement reconciliation that keeps your ledger agreeing with your bank's.
Backups
Automatic local backups, cloud-folder friendly, with external-change detection.
Command palette
Every screen and action reachable from the keyboard; accessibility is a feature, not a mode.
Undo & redo
Everywhere. Deleting, importing, bulk edits — all of it can be taken back.
A design principle
When it can't know, it says so.
≈
Estimates are marked
Projected interest, converted totals and pending bonuses wear a ≈ until the real figure posts. The ledger records; it doesn't pretend.
▲
Over is over
Blow past an allowance, a ceiling or a credit limit and the gauge goes loud and red — never silently clamped back to 100%.
—
No guessed rates
A missing exchange rate withholds the figure rather than inventing one. Where the model must approximate, it understates the room you have left.
Coming soon
Soon available for Mac and Windows PC.
IPFA is in active development at Apheresa. The ledger opens soon.
Mac
Windows PC
Stay tuned.
Product details may change before launch.