Personal mode
Every organization is one of two book types, chosen when it's created:
- Business — invoices, bills, customers, products, tax, and the standard ~40-account business chart.
- Personal — your own money: accounts, debts, income, and everyday spending categories, with net-worth framing instead of profit.
It's the same double-entry engine underneath. The general ledger, journal entries, reports, period close, and CSV import are identical — personal mode only changes the seeded chart of accounts, the labels, and which surfaces show.
Choosing a book type
You pick the mode in onboarding (or when creating an additional book from the
account switcher). It's stored as organizations.book_type and can't be changed
to re-seed an existing book — switching the flag relabels the UI but keeps the
existing chart. Create a new personal book rather than converting one with
history.
You can keep several books under one login — e.g. one personal and several business — and switch between them from the sidebar account switcher. Each shows a badge for its type.
What changes in personal mode
| Area | Business | Personal |
|---|---|---|
| Chart of accounts | ~40 business accounts (AR, AP, COGS, sales tax…) | Life categories: checking, savings, brokerage, retirement, home, mortgage, groceries, dining… |
| Income statement | Profit & Loss | Income & spending |
| Balance sheet | Balance Sheet | Net worth |
| Navigation | Invoices, Bills, Customers, Products, Tax | Budgets, plus Accounts & Transactions |
| Overview | Revenue / Expenses / Runway / AR / AP | Income / Spending / Net savings / Net worth |
The personal chart keeps the same uncategorized fallback accounts as business
(4900 income, 9000 expense), so CSV import
works identically, and adds unrealized gain/loss accounts (4560 / 7600) that
power account revaluation.
Net worth
Net worth is just the balance sheet read as assets − liabilities. It appears as a KPI and a breakdown card on the Overview, and the balance-sheet report is titled "Net worth" in personal mode. Because every change is a dated journal entry, your net worth at any past date is reconstructable from the ledger.
Budgets
Personal mode adds Budgets — a monthly target per spending category, compared against what you've actually spent this month.
API & agents
There's no separate API for book type — agents connect to whichever org their key belongs to and see its chart. The double-entry rules, endpoints, and MCP tools are the same for both modes.