Offline-first · private by design

A calmer way to see where the money goes.

A fast, private expense tracker for your desktop. Your months, loans, and investments on one screen, with no accounts, no cloud, and no noise.

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Encrypted, on your machine Free to use, Pro by key Windows 10 & 11
L Ledger · Personal
Your data
100% local
Encrypted on your disk
Money
Loans & EMIs
Amortisation, prepayment
Books
Personal + Business
One licence, kept separate
Pricing
Free + Pro
Free to use, one key for more
What's inside

Everything a month holds, without the spreadsheet.

Ledger organises your money the way you actually think about it: planned bills, loans, the miscellaneous, and what you put away.

Loans & EMIs

Every loan, with a payoff you can model.

Home, auto, and personal loans, each with a full reducing-balance amortisation schedule and a prepayment simulator that shows the interest you'd save.

  • Prepayment simulator: see exactly how much interest a lump sum saves.
  • Mark EMIs paid as they clear, with a running paid/due schedule.
  • Reduce-tenure or reduce-EMI strategies, side by side.
Investments

Track how your money is split.

A holdings list with an allocation donut that shows how your money is spread. Update current values when you like, with no live-price noise and no broker logins.

  • Allocation at a glance, straight from an allocation donut.
  • Manual current values, updated on your schedule.
  • Fixed & recurring deposits, with a paid/due schedule.
Your data, portable

Clean CSV, in and out, no lock-in.

Export your whole ledger to a documented set of CSVs and re-import it without losing a single row. The schema is yours to keep.

  • Round-trip clean: export today, re-import tomorrow, zero drift.
  • Encrypted backup and restore (.ledgerbackup), with one-click undo.
  • CSV import and export are free, at every tier, always.
# ledger-export-2026-06.zip › transactions.csv
id,date,type,amount,category,account,notes
txn_8f2…,2026-06-07,income,4875.00,Salary,Checking ••4421,June
txn_8f3…,2026-06-07,expense,28.45,Groceries,Checking ••4421,…
txn_8f4…,2026-06-05,investment_out,250.00,Index fund,Checking ••4421,…
txn_8f5…,2026-06-05,expense,385.00,Loan EMI,Checking ••4421,…
# 1,247 rows · re-imports as a no-op
Multiple books

Personal and business, never tangled.

Keep separate books on a single licence. Switch in one click, and every screen, total, and report follows the book you're in.

  • One licence, many books, with no paying twice.
  • Separate categories, accounts, and loans per book.
  • Quick-add from anywhere with a keyboard shortcut.
Private by design

Your money is nobody's business but yours.

Ledger has no account to create and no server to phone home to. The only thing that leaves your machine is a software-update check.

Local-first storage

Every transaction lives in an encrypted SQLite database on your own disk. Not our cloud, yours.

No accounts, no tracking

No email to sign up, no analytics watching what you do. A crash report is opt-out and never carries your amounts.

Works fully offline

Board a flight, lose your wifi: Ledger doesn't care. Everything works without a connection, forever.

A closer look

Built to be read at a glance.

Data-dense where it counts, calm everywhere else. Scroll through a few of the screens you'll live in.

L Overview
01Overviewthe whole month, one screen
L Monthly
02Monthlydaily flow with a running balance
L Settings · Licence
03Licenceone key, multiple devices
L Overview · Calm
04Calm layoutthe same data, more air
Get started

Free to start. Pro when you need the depth.

Track your accounts, transactions and month for free, with no key. Ledger Pro is a one-time licence that unlocks loans, investments, borrowing and lending, and the monthly To Pay checklist.

Ledger
Windows 10 & 11, 64-bit. Free to use; Pro is a one-time key.
Download
  • Free: accounts, transactions and your monthly overview
  • Pro: loans, investments, lending and the To Pay list
  • One key activates multiple devices
  • Encrypted at rest, with CSV export and backup

Need a licence key? Request one at ledger@whyitcosts.com

Questions

Good to know.

Is my financial data sent anywhere?
No. Ledger stores everything in an encrypted database on your own machine. There's no account and no cloud sync in version 0.2.0: the only network call is an occasional check for software updates and licence validation, neither of which carries your transactions.
Do I need a licence key?
No, not to start. Accounts, transactions and your monthly overview are free, with no key. A one-time Ledger Pro key unlocks loans, investments, borrowing and lending, and the monthly To Pay checklist. CSV export and backup are always available, free or Pro.
What does Ledger Pro add?
Loans with an amortisation schedule and prepayment simulator, fixed and recurring deposits, borrowing and lending with dated repayments, the monthly To Pay checklist, and a second book so personal and business stay separate. Everything else stays free. A future cloud-sync tier, if it ships, would be separate and optional.
Can I use it on more than one computer?
One key activates multiple devices, each bound to the machine it runs on. You can deactivate a machine any time to free a slot, which is useful when you replace a laptop. Until cloud sync arrives, move data between machines with a CSV export or an encrypted backup.
Which platforms does it run on?
Today Ledger runs on Windows 10 and 11, 64-bit only. A Mac version is coming soon. The installer isn't code-signed yet, so on first launch Windows may show a SmartScreen prompt: click "More info" then "Run anyway" to continue.
When are Android and iOS coming?
Mobile is Phase 2, planned once the desktop app finds its footing. It'll share the same core, so your data and licence carry over. Watch the changelog for progress.

See where this month went.

Download Ledger for Windows and start tracking for free. A one-time Pro key adds loans, investments, lending and the monthly checklist.

Download Copy ledger@whyitcosts.com