Income, expenses, and net movement in one view.
Private by design · Clear by default
Know what you can spend—before you spend it.
Own Ledger turns everyday records into a clear view of cash flow, recurring commitments, and the amount that is actually safe to spend.
- Local-first records
- No bank connection required
- Encrypted Drive backup
Safe to spend
$4,230
Monthly net
+$28,818
Recurring bills and planned payments before they surprise you.
Trends that show where your money is actually going.
One ledger, the whole picture
Built for real financial life.
Start with fast daily entry, then go deeper when you need to understand a household, a vehicle, a rental activity, or a small business.
Fast manual entry
Add income and expenses quickly with a responsive calculator and clear categories.
Safe to spend
Estimate what remains after the commitments already recorded in your ledger.
Your own structure
Use accounts, categories, and nested subcategories that match the way you manage money.
Plan ahead
Track recurring payments, goals, debts, assets, and expected cash flow.
Useful reports
Review trends, compare categories, and prepare accountant-friendly exports.
Back up on your terms
Keep local copies or store an optional encrypted backup in your own Google Drive.
Privacy is part of the product
Your ledger stays yours.
You can keep records locally without signing in or connecting a bank. Own Ledger does not sell your financial data.
Read the privacy policyStart free. Upgrade when the detail matters.
A clear path from tracking to planning.
Free
$0
- Income and expense tracking
- Up to 12 categories and 3 accounts
- History, search, and monthly summary
- Local backup and restore
Own Ledger Plus
$39.99/ year
- Unlimited organization
- Advanced analytics and forecasts
- Recurring-payment planning
- Reports, imports, and encrypted Drive backup
US reference price. The store shows the final localized price before purchase.
Get Own Ledger PlusAvailable now
Your ledger goes where you do.
Download Own Ledger for iPhone or Android. An installable web version for desktop is being prepared.