Overview
Net worth, cash, loans and your monthly surplus at a glance, plus every bill due in the next 60 days.
A 30-second tour
See it in motion
Make better money decisions, privately.
Track, plan and test big changes with What if. Only you can read your figures.
Your settings and figures are encrypted in your browser before they leave your device.
Your whole household on one screen. Net worth, cash and monthly surplus at a glance.
See where your net worth is heading. Forecast the next 1, 5, 10 or 25 years.
Know where every euro goes. Bills by category, shown as monthly figures.
Plan your loans. See payoff dates, interest, and what an overpayment would save.
Ask what if, in your own words. Test a loan payoff, a cut in spending or a saving goal before you make it.
End-to-end encrypted
Your household finances, planned in one calm place.
Track income, bills, accounts, loans and your pension together. See what’s left each month, what’s due next and where your net worth is heading, without connecting a single bank account.
- Only you can read your data
- No bank logins
- Phone and laptop
Features
Everything your household runs on, in one place
Home Ledger is a planner, not a bank feed. You enter your regular income, bills and balances once, and it does the sums.
Income and expenses
Recurring income and bills by category, converted to monthly figures so you know exactly where money goes.
Accounts and transfers
Balances for every account, regular transfers between them, and a month-by-month plan for each one.
Mortgage and loans
Payoff dates, interest still to pay, a nudge before your fixed rate ends, and what overpaying would save.
Pension
Project your pot at retirement and the yearly income it could give you, against the target you set.
Forecast
See where your net worth could be in 1, 5, 10 or 25 years if you keep to your current plan.
What if
Test a change before you make it, such as a redundancy and a new job, cutting back to lean spending, or paying off a loan. See net worth, savings and your cash cushion over 1, 2 and 5 years, and what to do with a lump sum.
Reminders
Financial to-dos with a date and time, linked to the bill, account or loan they’re about. You get an email on the day, so nothing slips.
Share with someone
Invite a partner or family member to view or edit the ledger. They use their own account, and you approve each person and choose their access.
Export to Excel
Download every section as a spreadsheet whenever you like. It’s your data and your copy.
Take a look
See your money the way you think about it
These are real screens from Home Ledger, filled with its example household.
Know where every euro goes
Add each bill once, weekly, monthly, quarterly or yearly, and Home Ledger turns it into a monthly figure. Category totals show at a glance what your household really costs to run.
- Search, filter and sort, or drag into your own order
- Notes and reminders on any expense
- See which account pays each bill
Make big decisions with real numbers
Try an overpayment and see the result straight away. In the example, an extra €200 a month clears the mortgage 3 years and 10 months sooner and saves about €19,962 in interest.
- Payoff date and interest still to pay
- Warning when your fixed rate is ending
- Car loan and credit cards alongside
See where you’re heading
Your recurring plan, projected forward. Watch loans shrink, your pension grow and your net worth climb, over 1, 5, 10 or 25 years.
- Set your own growth and interest assumptions
- When the mortgage will be cleared
- What’s left over each month
Made for your phone, too
Add Home Ledger to your home screen and it opens full screen, like an app. Lists fold down to one line each, so you can check a bill or update a balance in seconds.
- Unlock with Face ID or your fingerprint
- The same data on every device you use
- Light and dark mode to match your phone
Why Home Ledger
Less worry, better decisions
Clarity, not clutter
One place shows what comes in, what goes out and what’s left, instead of a dozen apps, statements and spreadsheets.
Spot problems early
Bills due soon, overdue reminders and a fixed rate about to end are flagged before they become a surprise.
Plan with confidence
Test an overpayment, a pension target or a bigger savings transfer, and see the long-term effect before you commit.
Private by default
No bank connections and no ads. Your figures are encrypted so that only you can read them.
Security
Private by design. Only you can see your numbers.
Everything you enter is encrypted on your own device before it is saved. The database only ever holds scrambled data, so nobody else can read it: not other users, not Google or Facebook, and not the people who run this site. The only people who can read your figures are ones you invite.
On your deviceGroceries · €650 a monthReadable only to you
Encrypted with your keyq7Gx…P0e=AES-256, in your browser
What the database and admins seeq7Gx…P0e=No key, so no way to read it
End-to-end encryption
Your figures are locked with AES-256 in your browser, so they leave your device already encrypted.
Only you hold the key
Your key is unlocked by your passphrase, Face ID or fingerprint. It is never sent to or stored on a server.
Admins can’t look
Anyone with full access to the database, including the site’s administrators, sees only encrypted data. There’s no master key.
Face ID and fingerprint
Unlock with a passkey on iPhone, Mac, Android or Windows Hello. Synced passkeys follow you to a new phone.
Recovery you control
A recovery key that only you keep, and the option to approve a new device from one you’re already signed in on.
No bank connection
You type your figures in. Home Ledger never asks for bank logins and can never move money.
Because only you hold the key, nobody can reset it for you. When you set up, you’ll get a recovery key to keep somewhere safe.
Questions
Frequently asked
Does Home Ledger connect to my bank?
No. You enter your income, bills and balances yourself, and update balances from your statements when you like. That keeps it simple and means no bank logins are ever shared.
Who can see my figures?
Only you, plus anyone you invite to your ledger. Your data is encrypted on your device with a key unlocked by your passphrase, Face ID or fingerprint. Your sign-in provider, the database and the site’s administrators only ever see encrypted data. The one exception is the What if assistant, which sends a summary of your figures (never your name, PPS number or dates of birth) and the question you type to DeepSeek when you use it, so avoid putting names in a question.
Can I share my ledger with someone?
Yes. In Settings, under Security, create an invite link and send it to them. They sign in with their own account, and their own data stays separate. You approve them and choose whether they can view or edit. Removing someone changes the key that opens the ledger, so they lose access for good.
What if I forget my passphrase?
Unlock with Face ID or your fingerprint, use the recovery key you saved during setup, or approve your new device from one you’re already signed in on. Then choose a new passphrase. If all of those are lost, the data can’t be recovered by anyone. That’s what keeps it private.
Can I use it on my phone?
Yes. It works in any modern browser. On iPhone, open it in Safari and choose Share, then Add to Home Screen, and it opens full screen like an app.
Will the app email me about reminders?
Yes. Each reminder with a due date is emailed to your sign-in address on that day, at the time you choose (08:00 if you don’t set one). The email doesn’t include the reminder itself, because your figures are encrypted. To send it on time, the server needs to know the due date and time and your email address, though not what the reminder says.
How does What if work?
Fill in the form, or ask in your own words. The assistant sets up the test, the app works out every figure, and the assistant explains the result. A test never changes your ledger unless you save it, and saved tests are encrypted with the rest of your data. The results depend on assumptions you can see and change, such as investment growth and Irish tax rates, so check those against your own situation.
Can I get my data out?
Any time. Export to Excel downloads every section as a workbook you can keep.
How do I start?
Sign in with Google, Facebook or email and choose a passphrase. You’ll start with an example household so you can see how it all fits together, then replace it with your own figures or clear it in one tap.
Get a clearer picture of your household’s money
Set up in a couple of minutes. Start with example figures, then make them yours.