A Ledger
of Your Own
A privacy-first net worth tracker for anyone in the United States with accounts worth keeping track of.
Manual where it must be. Automatic where it can be. Nothing in between trying to sell you something.
The Ledger is a personal net worth tracker. It collects, in one place, what you own and what you owe across every source you choose to add. It does not sell advertising. It does not surface offers. It does not measure your savings rate against a peer cohort, nor does it congratulate you for any of it. The Ledger reports what is.
To use it, you sign up for press credentials (issued in two minutes), add the sources you want it to know about, and from then on the page shows you, day after day, where things stand. Balances flow in. The chart updates. Nothing is shouted at you.
Sources can be added two ways. The first is by hand, which works for the parts of American finance that no API has caught up with (your mortgage servicer, a CD at a credit union, the cash under your mattress, the savings bond your grandmother bought in 1994). The second is through wire services powered by Plaid, the same connection layer your bank already uses, which files figures automatically and silently into your record.
Both methods coexist. You are not asked to pick.
The Ledger is free. It will remain free. If, after some weeks of using it, you find it useful, there is a tip jar. The tip jar is on a separate page. It is not connected to any data you see in the application, and it is the only place money changes hands.
To begin, sign up. It takes a minute and asks for very little.
01
No advertising
There is no advertising business in The Ledger. Nothing in the page is sold.
02
No upsells
There is one tier. It is the free one. It will remain the free one.
03
No coaching
The Ledger does not congratulate, commiserate, or compare you against a peer cohort.
04
No nudges
No push notifications. No emails. No surfaced offers. No streaks.
05
Yours to delete
Your data exports as a single file. It deletes from a single button. Permanently.
The Ledger, as of yesterday evening
| Wire service | Source | Figure |
|---|---|---|
| Fidelity | Brokerage · 4421 | $48,210.92 |
| Vanguard | Roth IRA · 0019 | $71,488.04 |
| Chase | Checking · 8810 | $8,742.18 |
| Ally | Savings · 2207 | $14,002.00 |
| Chase | Mortgage · 7733 | -$29,994.20 |
| Robin Hood | Brokerage · 0410 | $36,001.36 |
| Total | $148,450.30 |
Fig. 1 · Net worth, by month
$172,103
$10,873
$25,874
$38,115
The page reports what is.
Most personal-finance software is, at its core, an advertising surface. It must be, because the underlying business is showing you the next credit card. The Ledger has no underlying business of that kind. It will not nudge you toward a balance transfer. It will not tell you that you spend too much on coffee.
The page is monochrome on purpose. Numbers that go up are not green; numbers that go down are not red. They are figures. The figure for last month, set next to the figure for this month, will tell you what you need to know without any help from us.
Your data is yours. You can export it any time. You can delete it any time. We have nothing to sell that depends on you doing either.
“The chart is monochrome on purpose. Numbers that go up are not green; numbers that go down are not red. They are figures.”
An Email. A Password. Two Minutes.
Press credentials are the only way to use The Ledger. They are free. They are issued in two minutes. They open a record: a daily chart of all the figures recorded by your sources.