O'Ledger95 is a personal financial ledger that lets you record debits and credits in a simple flat-file database. It will keep a running balance and perform a break-down analysis of credit and debit sub-totals into categories that you define. It is useful for everyday tasks such as balancing your checkbook or producing a budget. Much more useful than a calculator, O'Ledger updates the ledger balance every time you change an entry the way a spreadsheet does. It's faster and simpler than a spreadsheet and is appropriate for maintaining any simple list of items requiring a running total.