Own Ledger

Own Ledger is a private, offline-first personal finance tracker. Record income and expenses, understand your cash flow, and plan upcoming payments without connecting your bank. START WITH FREE • Track income and expenses with up to 12 categories and 3 accounts. • Import files with a preview before saving. • Search transaction history and see a summary of your latest month with records. • Create local backups and restore an existing backup from your own Google Drive. No sign-in is required for local bookkeeping. PLAN AHEAD WITH OWN LEDGER PLUS • Organize unlimited accounts, categories, and subcategories. • Review trends, comparisons, forecasts, and custom dashboard widgets. • Plan recurring payments and estimate what remains after recorded commitments. • Track assets, debts, goals, and net worth. • Prepare reports and accountant-friendly exports. • Publish encrypted backups to your own Google Drive and enable automatic sync while the app is active or returns to the foreground. YOUR RECORDS, UNDER YOUR CONTROL Financial records are stored locally on your device. Google Drive backup is optional and encrypted on your device. Restore an encrypted backup with your backup password or recovery key. Own Ledger does not sell your financial data. BUILT WITH YOUR FEEDBACK Have an idea or found a problem? Contact the developer and get a quick response. Requests that solve a real need for many users can become part of the roadmap, helping Own Ledger improve with its community while staying focused and consistent. Available in English, Russian, and Ukrainian. Calculations use the records you enter; they are estimates, not a guarantee of available funds. Own Ledger does not connect to banks, move money, or provide financial, investment, tax, or legal advice. Own Ledger Plus offers monthly and annual auto-renewing subscriptions. US reference prices: $4.99/month or $39.99/year. The store displays the final localized price and any eligible offers before purchase. Manage or cancel your subscription in your store account settings.