FINANCE OS // PERSONAL
Your money in one ledger. Encrypted, and yours.
Ledgerline keeps your accounts, spending, budgets, goals and loans in one fast, spreadsheet-like workspace. Every record is encrypted with a key that belongs to your workspace alone.
What it does
A ledger that reads like a spreadsheet
Every entry in one sheet you can sort, filter, edit in place and change in bulk, with undo for every change and a bin for what you delete.
Budgets, goals and what is coming due
Monthly budgets by category, savings goals with an end date, and the bills and subscriptions due next, marked paid in one tap.
Money lent and borrowed
Who owes whom, how much is still out, repayments as they come in, and each person netted out in one figure.
Reports and insights
Any period against the one before: where the money went, what changed, savings rate, and the merchants and categories behind it.
Any currency
Every currency in circulation, plus USDT, USDC, BTC and ETH, each kept to its own precision. No figure is ever silently converted.
Bring your history
Import a bank's CSV or Excel file, with a preview of every row before anything is saved, duplicates recognised, and one-click undo.
An advisor, only if you want one
Ask questions about your own figures. It is off until you turn it on, and it says exactly what it sends and to whom before you do.
On your phone
Install it to your home screen and it runs full-screen, like an app, with the same ledger on every device.
Private by design, and honest about it
Your records are encrypted at rest with AES-256-GCM under a key made for your workspace. Deleting your account destroys that key first, which makes every record unreadable at once.
It is not end-to-end encryption: the server decrypts your data to show it to you, and to answer the advisor when you have turned it on. A six-digit PIN guards every sign-in, on every device.
Free to use, Pro when you need more
Free keeps 2 accounts and the last 12 months. Pro has no limits and 500 advisor messages a month. Your data is always yours to download, on every plan.