Ledger Safe

Take full control of your personal checkbook with LedgerSafe. Zero tracking, local AES-256 encryption, bank reconciliation, and smart budgeting across Mac and iOS.

LedgerSafe is a powerful, privacy-first checkbook register and personal finance manager designed for macOS and iOS. Engineered with an absolute commitment to data ownership, LedgerSafe keeps your entire financial history stored locally on your device with military-grade AES-256 encryption. No corporate servers, no mandatory cloud sync, no tracking, and no subscriptions.

Whether you are balancing daily checking accounts, tracking recurring bill payments, partitioning savings into virtual envelopes, or reconciling bank statements, LedgerSafe provides an intuitive, high-performance interface built natively for Apple platforms.

KEY FEATURES

PERSONAL CHECKBOOK REGISTER Maintain exact running balances for checking, savings, money market, and credit card accounts. View uncleared, cleared, and reconciled transactions at a glance with instant running balance updates.

LOCAL AES-256 ENCRYPTION & BIOMETRIC SECURITY Your financial records belong exclusively to you. All database files are protected using AES-256 GCM encryption and locked behind Touch ID, Face ID, or a master passphrase.

BANK STATEMENT RECONCILIATION WIZARD Streamline monthly statement balancing with an interactive reconciliation wizard. Easily match cleared deposits and payments against bank statements to locate discrepancies and maintain accurate records.

SCHEDULED & RECURRING TRANSACTIONS Never miss a bill or paycheck. Set up recurring payment schedules for rent, utilities, mortgages, and salary deposits. Preview upcoming dues and post scheduled items directly to your register with a single click.

VIRTUAL CASH ENVELOPES Partition your liquid checking and savings balances into targeted envelope funds. Set goal targets for emergency funds, groceries, dining, or travel, and track allocation progress visually.

PAYEE & PAYOR DIRECTORY Save frequent merchants, employers, and payees into a central directory. Auto-fill categories and default notes automatically whenever a payee name is entered.

DATA IMPORT & COLD-STORAGE BACKUPS Import bank transaction data seamlessly via OFX, QFX, and CSV files with automated duplicate detection. Export air-gapped, password-protected cold storage backups for off-site preservation.

CHECK PRINTING & REPORTING Format and print paper checks directly from your checkbook register. Generate detailed visual reports and category breakdowns to analyze cash flow and income versus expenses over time.

100% USER OWNED Your data is stored locally in standard encrypted packages. Transport files optionally via your private iCloud Drive without relying on proprietary third-party servers.