Most people sign in with Discord. The app asks Discord who you are, then creates a personal space just for your account, with no password stored. If you don't have Discord, an admin can invite you with a local username and password instead (see "Local accounts" below).

Create named characters with a color. Each character gets their own set of notes. Switch between them using the selector at the top of the sidebar. "All notes" shows everything grouped by character.

Write in plain text or Markdown. Notes auto-save as you type. After a short pause, the text renders formatted; click it to go back to editing.

Embed images using Markdown: ![description](https://url-to-image.com/img.png). Discord CDN links are blocked with a warning since they expire after ~2 weeks, so use a permanent host like Imgur instead.

Add tags to notes from the editor. Tags appear in the sidebar as filters you can click to narrow the list.

Pin any note to keep it visible across character views. Sticky notes appear at the top of the list wherever you are.

Hit "🙈 Spoiler" in the editor to blur a note's card in the list, hiding its title, preview, and tags until you open the note itself. Handy for plot twists and anything you don't want to catch out of the corner of your eye.

Notes keep a one-step "previous version" snapshot. If an autosave lands right after an accidental paste-over wipes a note, a "Restore previous" button appears in the editor so you can get the old content back.

Click "Send to DMs" in the editor to send the current note to your own Discord DMs, formatted in markdown. Notes longer than ~1900 characters are split into multiple messages automatically. Requires the bot to be configured.

Switch to the Calendar tab in the sidebar to see a month or week view of your notes, reminders, and bills. Days with due items show coloured pills, and reminder days show an amber badge. Click any day to see its events in the sidebar panel and jump to the linked note or bill. You can also create a note directly from the calendar with the due date pre-filled. Works on mobile too, with a back button to return to the day list.

Set a due date on any note using the date picker in the editor, between the tags and the action bar. The note then appears on the calendar on that date. Remove the date at any time with the × button.

Click "Remind me" in the editor to set a reminder for a note. Choose a quick option (10m, 1h, 3h, 1d) or a custom date and time. Reminders are sent to your Discord DMs when they fire. Repeating reminders reschedule themselves automatically. Requires the bot to be configured.

Set your timezone in the settings menu (⚙️) so reminder times display correctly in your local time. Each user sets their own timezone independently.

Set a default currency in Settings → Account so new bills and your income estimate pre-fill with it instead of USD. You can still pick a different currency per bill whenever you need to. Changing the setting offers to relabel all your existing bills to match too. That only changes the currency shown, not the amounts.

If you've been granted access, the Bills tab tracks recurring or one-time bills: amount, currency, due date, frequency, category, and a Low/Medium/High/Urgent priority (which also sets the bill's colour). Categories are yours to customize from Settings → Account, so add or remove them to match how you actually track spending. Mark a bill paid to log it and automatically roll a recurring bill to its next due date. The dashboard shows overdue/upcoming/paid counts, a 12-month forecast, a "How is this calculated?" breakdown, spend by category, and recent payment history. Bills also appear on the Calendar and can send Discord DM reminders ahead of the due date. Each account's bills are completely private, so nobody else can see them.

The Budget tab (same access as Bills) turns your categories into monthly envelopes. When you first open it, "Start from your bills" offers to set up a target for every category that already has bills in it, sized to what those bills cost per month (a yearly bill is spread across twelve months rather than landing whole in one). It shows you exactly what it will create before it does anything, skips categories you've already budgeted, and everything stays editable afterwards. Give a category a target, then log what you spend against it. Anything already paid through Bills counts toward its category on its own, so the only thing you type by hand is variable spending like groceries or petrol. The bar on each category shows the split: amber is money that came from a bill, teal is what you logged.

Budgets roll over. Finish a month $60 under on Food and next month starts with $60 extra; go $30 over and next month starts $30 down, so the total stays truthful instead of resetting the damage. Changing a target only affects that month and later ones, so tweaking this month never rewrites your history. Use the month arrows (or the list in the sidebar) to look back at how a previous month actually went.

Everything stays adjustable. Click a target to change it, or "remove" to drop a category from that month's budget (its target goes to $0; anything already spent or carried stays on the books). "Budget another category" adds a target for anything not budgeted yet. Click any expense you logged to edit its amount, category, date or note, or delete it. Changing an expense's category moves that spend between envelopes, and changing its date moves it to another month, with the rollover recalculated either way.

From the settings menu, add or remove the Discord accounts allowed to log in, and grant or revoke individual accounts their own private Bills tab, separate from your own bills.

An admin can create a username/password account for anyone from Manage access, no Discord required. Share the initial password directly; they'll be asked to set their own the first time they log in, and can change it anytime from the settings menu. Manage access shows when each local account last logged in, so you can tell whether an invite has actually been used. A couple of Discord-only features (Send to DMs, reminders) aren't available on local accounts, since there's no Discord identity to deliver them to.

From the settings menu, copy a personal link and add it as a subscribed calendar in Google or Apple Calendar to see your bill and note due dates alongside your real calendar. Treat the link like a password: anyone with it can see your due dates. You can regenerate it anytime, which breaks the old link. Recurring bills due on the 29th–31st may be skipped in shorter months by your calendar app, a limitation of the calendar format itself.

Opt in from the settings menu to get a daily, weekly, or monthly DM summarizing overdue bills, bills due soon, and upcoming reminders, sent only when there's something to report. Discord accounts only, since it's delivered via DM.

From Settings → Your data, load a Ledger export file back in. Everything is added alongside what you already have, so an import never overwrites or deletes anything. Before it runs, Ledger lists anything that looks like something you already have (same note title and content, same character name, or same bill name, amount and due date) and ticks it to be skipped, so you decide what actually comes in. Reminders aren't imported, since replaying old ones would fire a burst of DMs.

Deleting a note or bill moves it to "Recently deleted" in Settings → Your data rather than removing it immediately. You can restore anything from there for 30 days, after which it's cleared automatically. You can also delete an item for good yourself, or empty the whole trash, if you'd rather not wait.

From the settings menu, download all your notes, characters, reminders, and bills as a single JSON file for your own backup.

From the settings menu, permanently delete every note, character, reminder, and bill on your account, with a confirmation step first. You're logged out afterward and can log back in with a clean slate whenever you like.

Ledger can be added to your phone's home screen (Add to Home Screen on Android or iOS Safari) and opens like a native app.