Ledger
Your family's finances, fully private.
A native macOS budgeting and personal finance app for tracking what comes in, what goes out, what you're saving toward, and what you owe. No bank account linking required. No cloud sync. No company seeing your financial picture. Just you and your numbers.
Your complete financial picture, on your Mac
Budget, save, invest, track loans, and organize tax documents, without handing your financial data to a third-party service.
Budgeting
Know where the money goes.
Set budgets by category, log spending manually or import from exported bank statements, and see at a glance whether you're on track. No automatic bank connection required, your banking credentials stay with your bank, not in a third-party app.
Savings & goals
Track what you're building toward.
Set savings goals, emergency fund, holiday trip, new car, home deposit, and track progress over time. See exactly how far you've come and how far you have to go, without a subscription-based app that tells you to "automate" things in ways that require account access.
Investments & loans
The full picture, assets and liabilities.
Log investment accounts and track their value over time. Track loans, mortgage, car, student, with balance, interest rate, and payoff timeline. See your true net worth, not just your spending, so you understand where you actually stand financially.
Tax documents
Everything in order when you need it.
Organize tax documents by year, income statements, deduction receipts, investment summaries, charitable donations. When tax season arrives, you know where everything is. Scan or import documents and tag them, so your accountant or your own filing process can proceed without a scavenger hunt.
Why local finance
Your financial data is among the most sensitive data you have.
Most personal finance apps work by connecting to your bank accounts directly, giving a third-party service your banking credentials or read access to your transaction history. When those services are breached (and several have been), your financial data goes with them.
Ledger takes a different approach: you import data manually or via exported bank files, and everything stays on your Mac. There's no service to breach, no company that knows your income, your spending patterns, or your savings balance. You give up some automation and get meaningfully better privacy in return.
For families who take their financial privacy seriously, or who simply don't want to hand that data to a venture-backed company with unclear business model incentives, that's the right trade.
Your finances stay private.
Ledger stores everything on your Mac. No bank-linking API, no cloud sync, no company seeing your income, spending, or savings data.