For expats with money in more than one country
Track accounts, pensions, property, investments, and loans without forcing everything through a single bank feed.
Built for global money, not just one bank account
See your whole financial life in one private ledger.
ledgr helps expats, investors, and careful planners track net worth, cashflow, investments, loans, and currencies without handing over bank logins or stitching together another spreadsheet.
End-to-end encrypted
No data collection
Works offline
Free to start. No card required. No bank login.
150+
Currencies for global lives
0
Bank logins to connect
12 mo
Net worth trend view
Local
On-device ledger
Who it helps
Designed for the people whose finances do not fit neatly in one app.
For investors watching the bigger picture
See whether your total wealth is actually moving, not just whether one brokerage account had a good month.
For people managing cashflow deliberately
Use monthly balance updates to understand savings, debt movement, and the direction of your personal balance sheet.
Net worth and cashflow
Know if your money is moving forward.
Update balances monthly. ledgr turns them into net worth, cashflow, and debt movement you can scan in seconds.
- Compare this month with last month
- Track overseas savings and local cashflow
- Monitor investments, loans, property, and crypto together
Built for life across borders
Track EUR, GBP, USD, BTC, and the rest in one view.
Keep every account in its real currency, then see one clear net worth total in the currency you actually plan with.
Savings abroad
Local cashflow
Brokerage accounts
Loans and property
Private by default
You should not need to give away your financial life to understand it.
ledgr works without bank connections and stores your ledger on your device. Use a vault password to encrypt your data at rest, then export encrypted backups when you want an extra copy.
Everything you own and owe
Bank accounts, emergency funds, brokerage accounts, crypto, property, mortgages, loans, and custom instruments all sit in one clean ledger.
Multi-currency by design
Keep each instrument in its real currency and view your full net worth in the currency you think in.
Trends that do not need a spreadsheet
Month-over-month movement, assets versus liabilities, and category breakdowns make progress easy to scan.
Private before it is clever
No bank connection is required. Your financial data stays on your device and can be encrypted with your vault password.
Questions
The quick version before you start.
Who is ledgr built for?
ledgr is built for expats, internationally mobile professionals, investors, and anyone who wants a private net worth tracker for cash, assets, liabilities, and multiple currencies.
Do I need to connect my bank accounts?
No. ledgr is designed for manual monthly balance tracking, so you can keep control without sharing bank logins or account access.
Can I track investments and loans?
Yes. ledgr supports assets and liabilities, including bank balances, investment accounts, crypto, property, mortgages, and custom instruments.
Does ledgr work for multiple currencies?
Yes. Each instrument can have its own currency, and ledgr can convert your totals into your preferred currency.
Will ledgr have paid plans?
Anonymous use is free with up to 5 instruments in a single base currency — a real hands-on demo. Verify your email for a 3-month free Pro trial (unlimited instruments, multi-currency, encrypted cloud backup). Pro is €4.99/month or €39/year. A one-time Lifetime option (€79) is available for early adopters.
How do I contact support?
Email teamledgr@gmail.com — billing questions, bugs, feature requests, anything. Pro and trial users get priority responses.
Stay in the loop
Pro is rolling out. Be first to know.
Unlimited instruments, priority support, and early access to new features as they ship. Drop your email and get a founding-member discount before the price goes live.
No spam. Unsubscribe any time.
Start with one month. Keep the habit for years.
Add the accounts and investments that matter, update them once a month, and watch ledgr turn scattered financial pieces into a simple picture of progress.
No bank login. Private ledger. Installable on your device.