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, goals, and cashflow across accounts, investments, loans, and currencies — without handing over bank logins or stitching together another spreadsheet.
Encrypted on your device
No bank login
Works offline
Free to start. No card, no bank login — just verify your email.
150+
Currencies for global lives
0
Bank logins to connect
6 mo
Net worth trend view
Local
On-device ledger
How it works
A money habit you can actually keep — about ten minutes a month.
1
Add what you own and owe
Bank accounts, investments, property, loans, crypto — each as its own instrument. No bank logins, just balances.
2
Update once a month
Carry-forward fills in last month automatically, so you only touch what changed. About ten minutes.
3
Watch your net worth trend
ledgr turns your balances into assets vs. liabilities, month-over-month movement, goals, and one clear total.
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 who want the full picture
Track net worth on the free tier, then unlock cashflow, multi-currency conversion, and cloud backup with a Pro trial when you are ready.
Net worth, goals, and cashflow
Know if your money is moving forward.
Update balances monthly. ledgr turns them into net worth trends, savings goals, and — with Pro — cashflow and debt movement you can scan in seconds.
- Compare this month with last month
- Set goals on net worth, assets, or specific accounts — and share progress cards
- Monitor investments, loans, property, and crypto together
- Track earnings, expenses, and invested amounts with Pro cashflow
- Build a logging streak and earn achievement badges
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 plan with — included with Pro.
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. Pro converts your full net worth into the currency you think in.
Trends that do not need a spreadsheet
Six-month net worth charts, assets versus liabilities, category breakdowns, and savings goals make progress easy to scan.
Cashflow, goals, and badges
Track earnings, expenses, and invested amounts with Pro cashflow, set goals with shareable progress cards, and earn badges for keeping your streak.
Encrypted cloud backup
Pro keeps an encrypted copy in your own Google Drive, so a new phone or browser is never a fresh start. Your passphrase never leaves your device.
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.
Do I need an account to get started?
There's no password to create and no bank to connect, but you do verify your email once to set up your ledger. We send a 6-digit code (or magic link), you enter it, and you're in. This unlocks your free 5-instrument tier and lets you opt into a 3-month Pro trial. We only use your email for sign-in and licensing — never your financial data.
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. Multi-currency conversion into one net worth total is included with Pro (free trial or paid). The anonymous free tier uses a single base currency.
What do I get for free, and what's paid?
After you verify your email, the free tier gives you up to 5 instruments in a single base currency, the net worth dashboard, trend charts, and savings goals — free forever. Opt into the 3-month Pro trial (or upgrade later) for unlimited instruments, multi-currency conversion, cashflow tracking, achievement badges, and encrypted cloud backup. Pro is €6.99/month or €49.99/year, with a one-time Lifetime option (€99.99 for the first 250 supporters, then €129.99) 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.
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.