Wise Ledger - Budgeting & bookkeeping that show your real profit

Hey Product Hunt! 👋 I'm Fazal Khan. **What inspired it:** it started small — I kept seeing people ask for a budgeting spreadsheet. Everyone wanted the same thing: where their money goes. And I kept thinking — why hand them a spreadsheet that falls apart, when they could have a simple working app that shows their expenses AND their profit? **The problem:** those budgeting spreadsheets were never reliable — missing formulas, a broken cell here and there. And the freelancers and small businesses I worked with had the same issue: they knew how much they EARNED, but not how much they actually KEPT. The existing tools solve this for accountants, not for them — accounting software assumes you know what a journal entry is. The tools weren't missing features; they were missing simplicity. **How the approach evolved:** what began as "a better budgeting spreadsheet" grew into full bookkeeping — but I learned to remove features, not add them. Every screen got rebuilt around one question: "what's my real profit?" As an accountant, that forced some opinionated calls — invoices don't count as income until you're actually paid, voiding an invoice never touches cash you already received, and every number traces back to a real transaction. Simplicity isn't fewer features — it's books that stay right without you thinking about them. What it does today: - Branded invoices with credit memos & record partial payments and full payments - Receipt scanning & expense tracking - Budgets with alerts before you overspend - P&L, balance sheet, cash flow — exported in one tap - Multi-currency with automatic conversion Free tier to start. Android + web, same data. I'd love feedback — especially from freelancers and small businesses doing their own books: what's the one thing your current setup makes harder than it should be?