Personal Ledger — Your Money. Your Control.
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Features

Everything you need for everyday personal finance management.

Personal Ledger combines detailed account registers with budgeting, recurring activity, reconciliation, reports and portable records.

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Personal Ledger feature overview illustration
Accounts and net worth illustration
Accounts

Multiple accounts, one financial picture.

Create checking, savings, cash, credit-card, loan, mortgage, investment, property and other accounts. Track each register separately while seeing combined balances and net-worth impact.

  • Opening balances and running balances
  • Institution and masked account notes
  • Assets and liabilities
  • Linked account-to-account transfers
Monthly budget planning illustration
Planning

Budgets and recurring money stay connected to real activity.

Set category limits, compare actual spending, schedule bills and income, and keep upcoming activity visible without maintaining a separate spreadsheet.

  • Monthly category budgets
  • Recurring bills and income
  • Recurring transfers
  • 30-day scheduled cash-flow outlook
Financial reports and insights illustration
Reports

Understand where the money actually went.

Review income versus spending, category totals, top payees, account movement and twelve-month trends, then export the underlying data when you need it elsewhere.

  • Period summaries
  • Spending by category and payee
  • Account movement
  • CSV export and print-friendly statements
Illustrative concept of importing financial records
Import

Bring statement activity into your register.

The current release supports CSV file import with common Date, Description/Payee, Amount or Debit/Credit columns, payee creation, category matching and duplicate skipping.

The illustration is a design concept. Live automatic bank connections/sync are not included in this release.
Privacy and account security concept illustration
Privacy & security

Designed to minimize unnecessary data sharing.

The standard package uses secure password hashing, prepared database queries, CSRF controls, session protection and authenticated receipt access. No third-party advertising analytics are included by default.

Security depends on correct hosting configuration and HTTPS. The current release does not claim end-to-end encryption or direct bank-credential protection because it does not collect bank-login credentials.
Personal Ledger website, dashboard, support and admin concept showcase
A broader design concept showing how the public site, application and administration work together.