KnowFlow Ledger
Match sources, trace each line
Free · In‑App Purchases
One payment leaves records at your bank, a payment app and the store. KnowFlow matches them into one transaction you can trace. Try it with built-in sample statements.
One payment, records everywhere: a line on your bank statement, another on your payment app's bill, an item list in the store's order.
KnowFlow Ledger matches them into one transaction and keeps each original record in three layers (funds, payment, order), so every entry can be traced to its sources.
With mobile payments, spending is effortless and buy-now-pay-later debt piles up quietly. KnowFlow makes keeping and checking your books simple: import a statement or pick a few screenshots, and add details only you know.
Built for iPhone and iPad. Your data stays in your own iCloud private database; the developer cannot access it.
MATCHING AND TRACING
• Layered evidence for each transaction; every layer is an original record you can open, merge, split off or move, all undoable
• The same money on a bank statement and a payment platform bill becomes one transaction, whichever you import first
• Records are matched to what you already logged; unclear ones wait for your decision
• The order layer reads a store app's order screenshots, several at once for long orders
STATEMENT IMPORT AND SELF-CHECK
• OFX, QFX and ISO 20022 camt.053; multi-account files import one account at a time
• Built-in CSV formats for Chase, Bank of America, RBC, CommBank and Barclays (for RBC cards, use QFX). Other CSV, Excel or PDF exports: assign columns and save the format
• Preview every row first; each import is checked against the statement's own balances, totals or counts with an honest verdict, and can be undone as a whole
• No statements yet? Built-in sample statements (fictitious) show the self-check and how one payment becomes two layers
SCREENSHOTS AND PHOTOS
• Pick many bill screenshots at once; screenshots of one long order are recognized as one order
• Photograph paper receipts; amount, date and merchant are read on device
AI HELP (OPTIONAL)
• AI advisor: statistics are computed on your device and answer numbers are checked against your ledger; suggested category changes apply only after you confirm, and can be undone
• One-sentence entry, import help, explanations of reports and cash flow, budget and rule suggestions
• Off by default; each feature explains what it sends and asks first
• 10 free uses per device; then the optional AI Booster subscription continues AI help
FINANCIAL PICTURE AND PRO MODE
• Credit overview with all-in APR; liquid, restricted and long-term assets with a disposable balance; term deposits; 12-month cash flow
• Finance toolkit (tax tables: U.S. federal and mainland China only)
• Double-entry lines, trial balance, journal and three financial statements; invoice ledger for mainland China VAT invoices
ALSO
• Shared ledgers, category and zero-based budgets, net worth, debt payoff simulations, custom reports, Year in Review, portfolio (quotes delayed about 10 min)
• Widgets and Siri shortcuts; on iPad, split-view transactions, a side entry panel and a rearrangeable home screen
PRIVACY
• Sign in with Apple, no account server; no third-party tracking, ads or analytics SDKs
• Files, screenshots and receipts are read on your device. Only with AI help on is text with private details hidden, or an on-device summary, sent, via the developer's server (which keeps nothing) to a third-party AI model service; images, files and full transactions never are
PRO AND AI BOOSTER
New installs get every Pro feature free for 30 days. Pro is a one-time purchase; iCloud sync is free.
AI Booster is an optional auto-renewing monthly subscription. It is charged to your Apple ID at confirmation and renews unless cancelled at least 24 hours before the period ends; cancel any time in Apple ID settings. Everything else works without it.
Terms of Use (EULA): https://xingcihang.com/apps/simple-ledger/terms
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
• iPhone Duo support
- Unfolded in landscape, the app becomes a two-page book: Home shows the overview on the left and this month's analysis on the right; Transactions shows the list on the left and the selected transaction with its three evidence layers on the right; Stats, Plans and Me show a directory on the left and the content on the right
- In landscape, a new entry opens as a full page on the right, while the list on the left previews the entry in progress
- Half-folded on a table: view on the top half, enter or filter on the bottom half
- Fold to the outer display and you stay on the same transaction; unfold to pick up where you left off
- Quick Add is re-laid out for the outer display, so short screens are comfortable to use
• Payment channels and accounts: add bank cards manually with the last digits of the card number; imported statements are matched to the right card by those digits, and you're asked to choose when two cards share them
• More flexible reminders: set your own times and methods for budget, recurring expense, installment, savings and daily bookkeeping reminders; recurring expenses and installments can remind you a set number of days before they're due
• Drag an order screenshot onto the Order layer of a transaction to recognize it and fill in the order details (iPad and iPhone Duo)
• Investment portfolio: Refresh now fetches the latest quotes and updates the page in place, with no confirmation sheet
• Amount input: long numbers shrink to fit instead of stretching the layout, and digits beyond the limit no longer linger
• Tap anywhere outside a text field to dismiss the keyboard
• Segmented switches across the app now use the system style
• Categories: Restore Default Categories now asks for confirmation first; the Business category has its icon back
• Bill Rules, Import History and other pages now share the same background; Date & Time settings no longer get cut off on small screens
Feedback: xingcihang@foxmail.com
The developer, 慈行 幸, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Identifiers
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Financial Info
- User Content
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- 慈行 幸
- Size
- 20.3 MB
- Category
- Finance
- Compatibility
Requires iOS 18.0 or later.
- iPhone
Requires iOS 18.0 or later. - iPad
Requires iPadOS 18.0 or later. - Mac
Requires macOS 15.0 or later. - Apple Vision
Requires visionOS 2.0 or later.
- iPhone
- Languages
English and 3 more
- English, Japanese, Simplified Chinese, Traditional Chinese
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- AI Power Pack $1.99
- Simple Pro 终身解锁 $1.99
- Copyright
- © 2026 xingcihang
