Developer ditches finance apps for Beancount, a plain-text double-entry accounting tool

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A developer switched to Beancount two years ago after losing access to financial data when changing phones and refusing to pay a subscription fee to recover it. Beancount is a Python-based double-entry bookkeeping tool that stores all transaction records in plain text files, requiring no database or proprietary software. The author cites data ownership, Git version control compatibility, and programmability as the main reasons for preferring plain text over commercial apps. The transition involved a learning curve, including mastering double-entry logic and building scripts to auto-import bank statements, but the author has now maintained a continuous record for over 800 days. The article concludes that while Beancount suits those who value data control and customisation, commercial apps remain a valid choice for users who prefer automation and polished interfaces.

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