Accounts & register
Track checking, savings, money market, cash, brokerage, retirement, and other accounts. Each register supports starting balances, running totals, filters, and transaction kinds (normal, transfer, adjustment, reverse).
Features
Everything in PebbleHoard Finance today—from the dual-ledger model to emergency fund math, payday allocation, net worth, multi-business invoicing, invoice branding, and shared portfolios.
Core model
The product is built around a clear separation of concerns.
Buckets & items
Organize purpose into buckets. Item types include operating, sinking fund, goal, loan, and emergency—with priority, min/max balances, ideal assign amounts, and available totals.
Ready to Assign
Unassigned inflow lands in Ready to Assign so you can deliberately fund items instead of guessing from a single account balance.
Transaction splits
Split a register transaction across multiple bucket items with memos so one purchase can fund several purposes cleanly.
Item × account holdings
Matrix view of how much of each item lives in each account. Transfer holdings between accounts without erasing purpose assignment.
Item-aware transactions
Add transactions from bucket item list and detail views with the item pre-selected, speeding up everyday logging.
Income & allocation
Turn paychecks into a plan you can re-run every payday.
Income sources
Model salary, bonus, side income, and other sources with expected amount, frequency, default deposit account, and next expected date.
Funding rules
Link an income source to a bucket item with amount and frequency. Rules power allotment display and allocation suggestions.
Allotment view
See planned allotment versus expected income so you know if the paycheck is over-committed before payday arrives.
Record payday
Deposit then allocate, or use a preview wizard that suggests amounts from priorities, shortfalls, ideals, and funding rules.
Manual Ready to Assign
Assign dollars from Ready to Assign to any items you pick—no priority order required when you want full control.
Allocation flow modes
Choose deposit-then-allocate or preview-wizard style workflows per portfolio in settings.
Priority funding
Lower priority numbers fund first during allocation, so essentials and shortfalls get dollars before stretch goals.
Safety nets & net worth
Beyond monthly cash flow, track resilience and longer-term wealth.
Emergency fund
Target by months of base expenses or a fixed dollar amount. Balance modes: marked items available, surplus above min, or dedicated emergency-type items.
Goals & sinking funds
Target amounts and dates for goals; sinking funds for recurring large expenses with progress against ideals.
Loan items
Track principal, rate, minimum payment, payoff target date, and lender alongside available assigned cash.
Physical assets
Real estate, vehicles, and other assets with current value, as-of date, and value history. Included in portfolio net worth.
Dashboard & net worth
Net worth hero with composition: liquid, invested, physical assets, and loan principal deducted. Ready to Assign, emergency progress, and account/bucket snapshots at a glance.
Asset equity
Physical assets contribute value; loan principal reduces net worth so equity-style views stay honest.
Bucket search & move
Search and filter the buckets list, then move items between buckets in one step without re-creating them.
Tags
Tag accounts, buckets, items, income sources, transactions, and assets for filtering and organization.
Invoicing & payments
Bill clients from businesses under your portfolio—USD invoices, secure pay portal, and register deposits.
Multiple businesses
Each portfolio can host many businesses with display and legal names, logo, invoice prefix/sequence, default terms, and deposit account. Optionally hide the name on invoices when a logo is present.
Portfolio clients
Maintain a client list per portfolio (name, email, address, notes) and reuse them across businesses and invoices.
Draft, send, mark paid
Build line-item USD invoices with optional PO numbers, email a portal link, mark paid manually (cash/check/transfer), or collect online. Paid invoices deposit into a selectable register account.
Invoice branding
Print-friendly HTML invoices with business logo, address, and client address. Control whether display name, legal name, or both appear alongside the logo.
Public pay portal
Tokenized client page (no login) shows a print-friendly HTML invoice. Pay with Stripe Payment Element when card payment is enabled.
Stripe Connect Standard
Onboard each business to Stripe Standard (their own full Stripe account). Collect card payments through the embedded Payment Element. Refunds are handled in-app with clear error messages when Stripe rejects a request.
Recurring invoices
Weekly, monthly, or yearly schedules on US Eastern time (month-end days clamp). Preview upcoming runs; due invoices auto-create, number, and email the client.
Collaboration & access
Money is often a team sport.
Portfolio sharing
- Owner — full control, including sharing
- Edit — create and change money data
- Comment — participate without mutating balances
- View — read-only visibility
Invite people to a portfolio; they accept from their home screen.
Secure access
- Email/password authentication
- JWT access tokens with rotating refresh tokens
- Reuse detection revokes compromised sessions
- Password reset via secure email link
Ready to try it?
Open the app to create a portfolio, or read the getting started guide first.