Personal Ledger

Personal Ledger keeps your monthly cashflow honest. Set a plan for what should come in and go out each month, then verify it against what actually happens — the way you would in a spreadsheet, without the spreadsheet work.

PLAN VS. ACTUAL • Organize income, living expenses, liabilities, and investments the way you think about them • See at a glance which categories are on plan, ahead, or overspent • Plan health is pro-rated by day of month, so you don't get false alarms on the 3rd

FAST LOGGING • Add a transaction in seconds • Log expenses straight from bank SMS notifications with a Shortcuts automation — parsed on your device

BRING YOUR SPREADSHEET • Import your existing cashflow plan from an Excel workbook (.xlsx) • Your categories, planned amounts, and payment sources come across automatically

THE FULL PICTURE • Monthly cashflow: active income minus expenses, with passive income tracked separately • Balance sheet with assets, liabilities, and net worth • Cashflow per payment source, so you know which account is bleeding

PRIVATE BY DESIGN • All data stays on your iPhone — no account, no cloud, no tracking • No ads, no analytics, no third-party SDKs phoning home

Built for people who already run their money on a spreadsheet and want the discipline without the drudgery.