Receipt: accounting flows you can reconcile (not vibes).
ExecutionBuild

Pocket Watch / Books Breezy — Store-Shipped Mobile Accounting Suite

We turned bookkeeping into a product you can actually use daily: a finance app with real accounting bones — budgets, bills, ledger, actuals, net worth.

Built a mobile-first accounting suite with serious internal structure: Chart of Accounts, budgeting, bill calendar, journal entries, actuals vs budget, net worth, onboarding/banking sync flows/subscription gating, and operational guardrails to scale safely.

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Related services
CTO Guidance Intensive48‑Hour Audit & Tune

Outcomes

  • Budgeting logic structured around real account groupings with editable budgets and start dates.
  • Bill calendar supports recurring + one-time bills with per-occurrence paid amounts and paid dates.
  • Actuals quadrant supports statements, date-range presets, and drill-down to filtered journal entries.
  • Net worth implemented as a balance sheet with liquidity ordering + current ratio calculation.
  • Subscription tiers + free trial gating + banking limits + deactivation messaging implemented.

Deliverables

  • COA management + tier gating patterns
  • Budget creation/editing with start date, due dates, and pay period logic
  • BillModel: PayPeriod, datesPaid, amountsPaid, currentBalance patterns
  • Bill calendar UX (month/week, mark paid, edit paid amounts, exclude occurrences)
  • Actuals statements: list + date-range presets + empty states + filters + compare-to-budget navigation + drilldown to journal entry lists
  • Operational improvements: onboarding flow, tier gating, bank limits, cleanup tasks, account management screens
  • Banking/ops constraints: bank limits by tier, cleanup tasks, onboarding toggles
  • PDF export direction (income statement export + branding hooks)
  • Security + account management direction (PIN, sign-on options, deactivate/close flows)

Signals

Budget ↔ Bills ↔ Journal ↔ Actuals
Core loop
Recurring + One-time
Bill tracking
Onboarding + tiers + limits
Guardrails

Stack

Mobile appFirestore (data model + rules patterns)Cloud Functions (ops automations + email/webhooks)Subscriptions + payments logic (tiering + trial gating)Plaid (bank sync) direction + Stripe (billing) direction

Artifacts

Download Pocket Watch Mobile on the App Store
live
Download Pocket Watch Mobile on Google Play
live
Visit Books Breezy
live

Tags

store-shippedfintechaccountingbudgetingbillssubscriptions

Note

The marketplace and product-site links prove public distribution and the listed product features. Delivery attribution is recorded from the project owner.