Self-hosted personal finance tracking. Net worth, savings rate, portfolio allocation, all updated in five minutes at the end of the month, running on your own hardware.
What Ledger tracks
Built for people who want the portfolio view, not the budgeting guilt trip. Deliberate scope. No spending categories, no debt calculators.
Net Worth Tracking
Monthly snapshots across cash, retirement, investments, real estate, and liabilities. Watch the trend over time with automatic calculations.
Savings Rate
Income vs. spending, broken down by account. One number that tells you how the month went. No categories, no granularity theater.
Asset Allocation
Portfolio breakdown with drift analysis. Know your target allocation, see how far you've drifted, and get guidance on when to rebalance.
FI Projections
Model your path to financial independence using your actual savings rate and return assumptions, not a hypothetical portfolio.
S&P 500 Benchmark
Compare your portfolio performance against the market over time. See the gap, and whether you're earning or trailing it.
No accounts to create. No bank connections to authorize. No cloud sync to worry about. Ledger runs on your own hardware: a Raspberry Pi, an old laptop, whatever you have. Your financial data stays exactly where you put it.
The App
Five minutes a month. Every number you actually need.
Getting started
Fork the repo and follow the setup guide. It's a Flask app backed by SQLite, so if you can run Python, you can run Ledger.
Fork the repo, clone it to a Raspberry Pi or any Linux machine, and serve it with Gunicorn. The repo includes a systemd service file and a setup guide.
Drop in CSV exports from your bank and brokerage. Ledger handles whatever date format they use. Enter a ticker symbol and holdings are auto-classified via the Anthropic API.
At month-end, enter total income and total expenses. Check your balances. That's it. Five minutes and you're looking at a full picture of where you stand.
Under the hood
No exotic dependencies. Python, Flask, SQLite. Readable code you can audit, fork, and modify to fit how you actually manage money.
Open source and free. No sign-up, no subscription, no data leaving your machine.