Facto (Family Accounting Tool)

Facto (Family Accounting Tool) is a web application for tracking household and family finances. It records transactions, assigns beneficiaries and payment methods, computes internal debts between members, and provides cash flow reconciliation and category-based statistics.

Key Features

• Record detailed transactions with beneficiary, payment method, and signed flow (income/expense)
• Automatic internal-debt calculation to track who owes whom for shared purchases
• Cash flow overview for reconciliation of physical and account balances with manual "set" and verification actions
• Category and account model (members + common account) with special categories for accounting and endowments
• Admin user management with command-line helpers to create admin user and initialize the database
• Configurable via HOCON-style application.conf and a separate accounting-config.yml for preferences
• Runs on Java 11 / JVM and uses a relational database (recommended MariaDB/MySQL); Docker Compose available for demo usage

Use Cases

• Household budgeting and expense tracking across multiple family members and shared accounts
• Tracking reimbursements and internal debts when one member pays shared expenses
• Detecting unexpected or hidden banking costs via cash flow reconciliation and monthly statistics

Limitations and Considerations

• Docker Compose is provided for demo/testing but is discouraged for production deployments; recommended production install uses the provided binaries and manual configuration
• Requires Java 11 and a MariaDB/MySQL-compatible database; initial setup requires editing configuration files and running included server scripts
• A default admin user is created during setup with a known initial password and must be changed for secure operation

Facto is a focused, minimal family accounting system intended for self-hosted use. It is suitable for families who want a structured way to split expenses, reconcile cash, and maintain simple internal bookkeeping without enterprise accounting complexity.