Overview
Example Beancount file
A comprehensive, self-contained personal-finance ledger demonstrating everyday Beancount usage: banking, credit cards, employer payroll and benefits, taxes, and multi-asset investing — generated with Beancount's own bean-example tool. Pa… Ledger notes
Financial position
Net worth and the accounts that make it up
Money movement
Monthly income and spending by account category
Recent activity
Posting-aware activity from the journal
Income vs Expenses
Amounts are shown in USD. Balances in IRAUSD, VACHR are not included.
Period data
| Period | Income | Expenses | Net Profit |
|---|---|---|---|
| 2015-01-31 | 15,719.10 USD | 9,388.01 USD | 6,331.09 USD |
| 2015-02-28 | 10,479.40 USD | 7,353.66 USD | 3,125.74 USD |
| 2015-03-31 | 10,479.40 USD | 7,476.51 USD | 3,002.89 USD |
| 2015-04-30 | 10,479.40 USD | 7,513.04 USD | 2,966.36 USD |
| 2015-05-31 | 10,479.40 USD | 7,790.37 USD | 2,689.03 USD |
| 2015-06-30 | 10,479.40 USD | 7,264.37 USD | 3,215.03 USD |
| 2015-07-31 | 15,119.10 USD | 9,730.43 USD | 5,388.67 USD |
| 2015-08-31 | 9,279.40 USD | 7,501.44 USD | 1,777.96 USD |
| 2015-09-30 | 9,295.93 USD | 7,549.15 USD | 1,746.78 USD |
| 2015-10-31 | 9,279.40 USD | 7,315.90 USD | 1,963.50 USD |
| 2015-11-30 | 9,339.10 USD | 7,465.06 USD | 1,874.04 USD |
| 2015-12-31 | 13,952.07 USD | 8,934.91 USD | 5,017.16 USD |
| 2016-01-31 | 10,479.40 USD | 7,428.69 USD | 3,050.71 USD |
| 2016-02-29 | 10,479.40 USD | 7,423.52 USD | 3,055.88 USD |
| 2016-03-31 | 10,516.76 USD | 7,858.88 USD | 2,657.88 USD |
| 2016-04-30 | 10,584.16 USD | 7,752.14 USD | 2,832.02 USD |
| 2016-05-31 | 10,479.40 USD | 7,509.30 USD | 2,970.10 USD |
| 2016-06-30 | 15,163.60 USD | 9,526.74 USD | 5,636.86 USD |
| 2016-07-31 | 11,080.04 USD | 7,416.52 USD | 3,663.52 USD |
| 2016-08-31 | 9,279.40 USD | 7,407.29 USD | 1,872.11 USD |
| 2016-09-30 | 9,343.07 USD | 7,483.78 USD | 1,859.29 USD |
| 2016-10-31 | 9,279.40 USD | 7,409.16 USD | 1,870.24 USD |
| 2016-11-30 | 9,279.40 USD | 7,758.53 USD | 1,520.87 USD |
| 2016-12-31 | 14,010.55 USD | 9,207.87 USD | 4,802.68 USD |
| 2017-01-31 | 10,479.40 USD | 7,343.64 USD | 3,135.76 USD |
| 2017-02-28 | 11,122.20 USD | 7,512.17 USD | 3,610.03 USD |
| 2017-03-31 | 10,570.85 USD | 8,342.34 USD | 2,228.51 USD |
| 2017-04-30 | 10,479.40 USD | 7,398.28 USD | 3,081.12 USD |
| 2017-05-31 | 10,479.40 USD | 7,698.47 USD | 2,780.93 USD |
| 2017-06-30 | 15,820.63 USD | 9,514.32 USD | 6,306.31 USD |
| 2017-07-31 | 10,479.40 USD | 7,495.44 USD | 2,983.96 USD |
| 2017-08-31 | 9,517.92 USD | 7,554.31 USD | 1,963.61 USD |
| 2017-09-30 | 4,639.70 USD | 2,284.81 USD | 2,354.89 USD |
Balance Sheet
Breakdown
| Account | Amount | Share of total |
|---|---|---|
| Assets:US:Vanguard:VBMPX | 41,179.93 USD | 34.22% |
| Assets:US:Vanguard:RGAGX | 48,471.39 USD | 40.27% |
| Assets:US:ETrade:VHT | 8,382.08 USD | 6.96% |
| Assets:US:ETrade:VEA | 5,179.32 USD | 4.3% |
| Assets:US:ETrade:ITOT | 8,312.72 USD | 6.91% |
| Assets:US:ETrade:GLD | 5,217.47 USD | 4.34% |
| Assets:US:BofA:Checking | 2,754.06 USD | 2.29% |
| Other | 855.81 USD | 0.71% |
Amounts are shown in USD. Balances in VACHR are not included.
Breakdown
| Account | Amount | Share of total |
|---|---|---|
| Liabilities:US:Chase:Slate | 2,703.29 USD | 100% |
Cash Flow
Loading account roles…
Beancount Example Ledger
A comprehensive, self-contained personal-finance ledger demonstrating everyday Beancount usage: banking, credit cards, employer payroll and benefits, taxes, and multi-asset investing — generated with Beancount's own bean-example tool. Part of the Open Ledger project on beancount.io, which also publishes real public-company financial ledgers reconstructed from SEC/regulatory filings.
Quick Start
uvx --from beancount bean-check main.beanZero output means the ledger is internally consistent — every transaction balances to zero.
What's Inside
main.bean spans January 2015 through September 2017 for a single simulated household, covering:
- Banking — checking/savings accounts, monthly fees, interest income
- Credit cards — recurring spend categories (dining, shopping, travel, utilities, etc.)
- Employer — paycheck deposits, employer 401(k)/IRA contributions, vacation-hour accrual
- Taxes — payroll tax withholding
- Investing — commodity/price directives for ETFs and mutual funds (index funds, bond funds, gold, sector funds), with cost-basis tracking
This is the same demo content Beancount's documentation uses to teach double-entry plain-text accounting from first principles — useful as a reference for account naming, price directives, and everyday transaction patterns before modeling something more specialized (a company, a crypto portfolio, a real-estate holding).
About Open Ledger
This repository is part of a growing library of ledgers published at beancount.io/ledger — plain-text, git-versioned, and fully auditable, spanning both general-purpose examples like this one and real public-company financial histories reconstructed from their own filings. Read more on the beancount.io blog.