Ledger: Net Worth Tracker

Ledger is a private household finance app for people who want a clearer view of net worth, cash flow, and major money decisions without connecting bank accounts.

Track your balance sheet, log monthly cash flow, understand your burn rate, and model important financial scenarios from one clean iPhone app.

No bank login. No financial-data APIs. No automated account scraping. Ledger is designed for manual entry, local-first tracking, and privacy-conscious households that want control over their financial picture.

BUILD YOUR PRIVATE BALANCE SHEET

Ledger helps you track assets and liabilities in one place so you can see your current net worth clearly.

Add accounts such as: • Brokerage accounts • Retirement accounts • Cash and savings • Real estate • Business equity • Crypto holdings • Mortgages • Loans • Credit card balances • Custom assets and liabilities

Ledger calculates your assets, liabilities, and net worth so you can understand where you stand at a glance.

TRACK CASH FLOW LIKE A HOUSEHOLD CFO

High-income households often have strong earnings but complicated spending, taxes, savings, and lifestyle decisions.

Ledger’s Plan workspace helps you log monthly cash-flow data manually, including: • Income • Taxes • Fixed spending • Variable spending • Savings • Notes for each month

From there, Ledger shows practical metrics like: • Burn rate • Savings rate • Investable surplus • 3-month averages • 12-month averages

This gives you a clearer view of how much money is actually available after taxes and spending.

PLAN MAJOR FINANCIAL DECISIONS

Use Ledger’s scenario planner to model decisions before they happen.

Create scenarios for: • Taking a sabbatical • One spouse stepping back from work • Buying a bigger home • Allocating a bonus or windfall • Testing a custom financial decision

Ledger helps estimate how each decision may affect annual savings, runway, target timing, and required net worth.

SAVE SNAPSHOTS OVER TIME

Your financial life changes month by month. Ledger lets you save net-worth snapshots so you can track progress over time.

Use snapshots to: • Compare current net worth to previous periods • Build a historical record • See changes across time ranges • Track milestones as your balance sheet grows

REPORTS AND EXPORTS

Ledger includes reports that help you review your financial picture and share records when needed.

Reports can include: • Net worth summary • Asset and liability breakdowns • Cash-flow summary • Year-over-year views • Milestones • PDF export • CSV cash-flow export

PRIVACY-FIRST BY DESIGN

Ledger is made for people who want financial clarity without handing over account credentials.

Ledger does not require: • Bank linking • Plaid-style account aggregation • Financial-data APIs • Automated transaction imports

You enter only the information you want to track.

A built-in privacy mode can mask sensitive values on screen, which is useful when opening the app around other people or recording your own progress.

WHO LEDGER IS FOR

Ledger is built for households and individuals who want a simple, private way to answer questions like:

• What is our current net worth? • How much are we really spending each month? • What is our burn rate? • What percentage of income are we saving? • How much investable surplus do we have? • Can we afford a sabbatical, home upgrade, or income change? • Are we moving closer to our financial targets?

SUBSCRIPTION REQUIRED

Ledger is a premium app. Access to the main app experience requires an active subscription after onboarding.

If offered, subscription pricing, trial availability, and renewal terms are shown clearly at checkout before purchase.

Take control of your household financial picture with a private, manual-first system built for clarity, planning, and better decisions.

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