About InkWyrm
Budgeting with a clear system.
Personal finance software for people who want every dollar assigned, every bill visible, and every shared plan easy to follow.
Zero-based by design
Income is assigned before the month begins. Tolls, Curses, Vaults, and day-to-day spending each have a clear place in the plan, so affordability is visible up front.
Connected when you want it
Link bank and credit accounts through Plaid for automatic imports, or enter transactions manually. Your data stays yours — we do not sell it, and you can hide amounts or adjust sharing in privacy settings.
Shared when you want it
Share a Ledger with a partner or household members, with view or edit access for up to four people. Everyone works from the same numbers.
One membership, full access
A single InkWyrm membership includes unlimited Ledgers, bank connections, shared access, Vaults, Curse tracking, and future product updates.
The realm
Who's in the realm
Three names for three jobs in the plan: savings, bills, and debt. The characters are flavor. The jobs are the point.
The Wyrm
Vaults·Guarded gold
Watches what is safe in the plan. Savings goals and assigned money you do not want to spend sit here so they stay guarded.
The Toll Troll
Tolls·Bills and recurring costs
The list of what comes due — rent, insurance, subscriptions, and sinking funds. Recurring costs stay visible instead of surprising you mid-month.
The Shade
Curses·Debts
The weight you are paying down. Remaining balances and monthly payments stay on the same page as the rest of the plan.
The month
How a month works
A practical loop. Assign first, spend against the plan, then close the books.
- 01
Assign income
When money arrives, give every dollar a job in the Ledger: Tolls, day-to-day spending, Vaults, and Curse payments. Affordability is decided before spending starts.
- 02
Spend with visibility
Pay bills and spend from what you assigned. Imports through Plaid or manual entries both work, and related balances stay in sync.
- 03
Reconcile and close
Match Treasuries to the real accounts, confirm the month is accounted for, and carry leftover guarded gold into the next plan.
Start a Ledger, or see what membership includes.