Personal finance · shared expenses
One correct place for your money — and everyone else’s share of it.
Vloxyde is a personal-finance ledger that also tracks shared expenses without conflating the two. Track your net worth, split a bill, and settle up — with every figure traceable to the events that produced it.
7-day free trial · no card required to start
Shared expenses
Split a bill without polluting your own books.
Front a group cost and split it by percentage, share, or exact amount. Your own share is separated from what others owe you — so your personal spending stays honest and every IOU has provenance back to the original bill. When the other person is on Vloxyde too, they see their side of the debt in their own ledger, and settling up posts to both at once.
- Split by percentage, shares, or exact amounts — always sums to the cent
- Your share vs. what others owe, never conflated
- Two-step settle-up: they initiate, you confirm, both ledgers agree
Screenshot / GIF — shared-expense split flow
The Shared page: creating a split (paying account, gross amount, beneficiary picker, live per-person shares), then the obligations list showing who owes what. A short GIF of the flow works best here.
Reconciliation & reporting
Numbers you can defend, down to the cent.
Match each account against a real bank or card statement with a pending → cleared → locked lifecycle — a period locks only when it balances exactly. On top of that ledger, every dashboard figure (net worth, cash flow, real spending, who owes whom) is labeled with its scope, period, and currency, and drills straight down to the events that produced it.
- Statement reconciliation that refuses to lock until the difference is zero
- Net worth and cash flow rebuilt from postings, never a cached guess
- Click any figure to see exactly which transactions made it
Screenshot — dashboard with drill-down
The dashboard: net-worth card with the Accounts-only/With-IOUs toggle, the “This month” spending card, and receivables/payables by person. Alternatively the reconcile checklist with the running difference hitting zero.
A ledger that refuses to lie to you
Net worth you can trust
Every balance is rebuilt from balanced double-entry postings — never a number you have to take on faith. Each figure carries its scope, period, and currency.
Reconcile against real statements
Match your accounts to a bank or card statement. Lock a period only when it balances to the cent; unlocking requires a reason and leaves an audit trail.
Import and export your own way
Bring history in from CSV as reviewable drafts you confirm before anything posts — with duplicate detection built in — and export it back out whenever you want. Your data is never trapped.
Correct without destroying history
Fix an honest mistake with a linked reversal or correction. The original entry is preserved, and every report recomputes itself from the postings.
How it works
Add your accounts
Cash, savings, e-wallets, credit cards, lines of credit — with opening balances in any currency you use.
Record what happens
Money out, money in, or moved between accounts — in plain bank-statement language. Vloxyde keeps the books balanced underneath.
Split and settle shared costs
Track each person's share of a bill, then record or confirm repayment. Personal and shared money reconcile in one place.
See where you stand
A dashboard of distinct, labeled figures — net worth, cash flow, real spending, and who owes whom — each one drillable to its events.
One plan. Everything included.
$14.99/month, or $99.99/year — the full ledger, shared expenses, reconciliation, and reporting. Start with a 7-day free trial.
Keep your books honest.
Personal and shared money, reconciled in one ledger you can trust.
Start free trial