A full general ledger for your household: bank feeds that post balanced entries, statements that tie out, a 13-week cash forecast and a retirement score. Know where you stand. See how far you can go.
Opens January 1, 2027. Join the waitlist and we'll email you when it's time.
| Account | Debit | Credit |
|---|---|---|
| Mortgage InterestExpense · income statement | 1,407.44 | |
| MortgageLong-term liability · balance sheet | 392.56 | |
| CheckingBank · balance sheet | 1,800.00 | |
| Total | 1,800.00 | 1,800.00 |
Real double-entry accounting, not another category tracker.
Net worth, cash cushion, a rolling forecast, debt payoff, investment returns and two scores that tell you where you stand and whether you're on track, all built from the same ledger, updating the moment a transaction posts.
An illustration of the Qualaby dashboard on sample data, animated as the figures arrive: cash cushion $37,126, net worth $1,621,559, retirement savings $992,692, a Financial Health Score of 84 and a Retirement Readiness Score of 89, forecast progress, subscriptions, investment allocation, debt payoff, upcoming bills, investment returns and contribution headroom.
A dashboard on sample data, drawn from its ledger. Twenty-plus widgets; pick them, size them, arrange them.
A category tracker files each transaction under a label. Qualaby keeps a chart of accounts, balanced journal entries and statements that tie out, then builds the budget, forecast, loans and retirement plan on that same ledger.
| What you get | A typical budgeting app | Qualaby |
|---|---|---|
| Your records | Transactions sorted into categories | A chart of accounts and numbered journal entries. Voided entries stay on the record. |
| Mistakes | A wrong category quietly skews your charts | Entries must balance to save. A wrong account shows up on the statement, and the figure opens to the entry so you fix it there. |
| Statements | Spending reports and a net-worth line | Balance sheet, income statement and cash flow statement, GAAP-style, for any period, with every figure drilling down to its entries. |
| Month-end | Nothing to reconcile or close | Automatically reconcile each linked account, close the month, and the closed actuals feed budget-versus-actual and the forecast. |
| Debt | A loan balance with no schedule behind it | Amortization schedules with escrow, extra payments that recalculate the payoff, and a debt-free date. |
| Investments and property | Account balances as reported | Fair-value adjustments booked as entries, returns by account, allocation, and real estate equity. |
Kept household books in QuickBooks Desktop? You already know what a ledger gives you, and that Desktop was never built for a home. Qualaby imports its history. What to look for in a replacement
Link banks and cards through Plaid, or import CSV files. Coming from QuickBooks Desktop? Export the Journal report and Qualaby brings in your chart of accounts and every entry in it, years of history included. Start from our 91-account chart or bring your own.
New transactions arrive with accounts suggested from your own history. A loan payment splits into principal, interest and escrow in one click. A paycheck posts gross pay, withholdings and the 401(k) contribution from the stub, not just the deposit. Entries balance before they save.
Statements for any period, a forecast that carries the budget forward as the year goes, a 13-week checking forecast, loan schedules and the retirement hub, all from the same ledger. Close each month once it ties out.
Qualaby's Checking Forecast fills the next thirteen weeks from your own ledger, the paychecks and bills it has already posted, holds checking at the floor you set, and tells you what to move to high-yield savings and when. Idle cash earns instead of sitting in checking. Set your own paycheck, balance and floor and see what the idle part of checking could earn in savings.
Pick the one closest, and we'll point you at the part of Qualaby that matters most for you.
No tiers, no add-ons, no ads. Both plans include everything below, and it is built to pay for itself.
At the numbers you set in the forecast above, moving the idle part of checking to savings is worth $662 a year, 4.4× the annual price.
The average subscriber guesses $86 a month and actually pays $219, about $2,600 a year, and 42% are still paying for one they forgot. Qualaby lists yours from the ledger without tagging anything. Cancelling one forgotten $14.99 subscription covers the year.
Contribution headroom sits on the dashboard all year, so room in a 401(k), IRA or HSA gets used instead of noticed in April. Extra loan payments recalculate the payoff date and the interest they save.
A budgeting app shows you a pie chart. Statements that reconcile, a cash forecast and two scores change what you do next month, and what retirement looks like.
Subscription figures: C+R Research survey of 1,000 US consumers, 2022. Savings figure from the forecast above, before tax; not a promise of any return.
Billed $149 a year, about 41¢ a day · everything included
Start your free trial by January 31, 2027 and your first year is $119. January only. After that the plan is $149 a year.
Renews automatically at $149 a year. Cancel any time from Settings. Prices in US dollars.
Billed monthly, about 49¢ a day · everything included
Switch to annual at any time and pay $149 for the next year. The New Year promo applies to annual plans only.
Join the waitlistRenews automatically at $14.99 a month. Cancel any time from Settings. Prices in US dollars.
Bank and card feeds through Plaid, plus CSV and QuickBooks Desktop import
Full general ledger, chart of accounts and GAAP-style statements
Budget, 13-week checking forecast, loan schedules with escrow
Retirement hub with the Readiness Score, Social Security, Roth conversion and RMD planning
Dashboard with twenty-plus widgets, month-end close, Excel export
Support from real people, with messaging built into the app
30-day free trial, no card needed. Long enough to close a month.
Cancel any time. Your books stay exportable, and we keep them 12 months in case you return.
You connect through Plaid's Link interface, not through a form on our site. Qualaby never sees or stores your online banking username, password or multi-factor codes. We keep only the access token and account details Plaid returns, and you can revoke that access at any time, from Qualaby or at my.plaid.com.
Our database, hosting and bank-link providers hold SOC 2 Type 2 reports; data is encrypted with AES-256 at rest and TLS 1.2 or higher in transit. The security page has the detail.
Qualaby is designed with accountants in mind, and you'll be fine with basic bookkeeping experience and a working grasp of debits and credits. Onboarding walks you through a starter chart of accounts, or you can bring your own.
Once the chart is set, most of the work is automated: bank feeds arrive with accounts suggested from your own history, every entry has to balance before it saves, and a Books Status check flags anything off.
A budgeting app sorts transactions into categories and reports on the sort. Qualaby posts each one as a balanced entry to a chart of accounts you control, so you get a balance sheet, an income statement and a cash flow statement that tie out, with every figure opening to the entries behind it.
The 13-week cash forecast, the loan schedules and the retirement planning all read from that same ledger, and a month-end close locks what's done.
Qualaby is built for a computer screen: a ledger, a 13-week forecast grid and side-by-side statements need the room. You can join the waitlist from your phone, and we'll email you when it opens.
You can export your books from the app at any time, as formatted Excel or CSV. If you cancel a paid subscription we keep your books for 12 months so you can come back, and you can ask us to delete your account and all of its data at any time; we do so within 30 days. If a free trial ends without a subscription, the data is deleted 90 days later. The privacy policy has the full retention schedule.
Start a free trial in January 2027 and your first year on the annual plan is $119 instead of $149. The rate attaches when the trial starts, so a trial begun by January 31 gets it even if the subscription starts in February. It renews at the regular $149 a year after that.
Join the waitlist and we'll email you the moment the doors open on January 1.
Join the waitlist