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Personal Finance OS

Tynkr
Ledger

Every dollar accounted for, on your own disk — budgets, bills, debt payoff, and net worth, without a fintech startup watching too.

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Ledger

Net worth$128,414.30

Paycheck — Acme Co

Checking · Mar 1

+$4,280.00

Mortgage

Bills · Mar 3

−$1,812.40

Grocery Outlet

Checking · Mar 4

−$86.12

Freelance invoice

Checking · Mar 7

+$975.00

Needs · 50%$2,140 of $2,400

Wants · 30%$980 of $1,440

Savings · 20%$960 of $960

Car repairs fund

Sinking fund

$1,850 / $3,000

Visa — payoff Oct 2026

Avalanche plan

$3,214 left

What it does.

Features

Transactions · CSV import

Your bank feed, without the bank watching

Download a CSV from any bank, drop it in, and Ledger maps the columns, de-duplicates, and categorizes. Nothing connects to your bank; nothing needs your credentials.

Budgets · 50/30/20

Budgets that fit how you actually think

Category budgets, envelope-style targets, or the classic 50/30/20 split — pick a method per month and change your mind anytime. History stays intact either way.

Bills

Every due date, seen coming

Recurring bills with due dates, amounts, and autopay flags. Ledger shows what’s due this week and what it does to your cash — before it happens.

Debt payoff

Avalanche or snowball. Your call.

List every debt, pick a strategy, and watch the payoff date move as you pay. Extra-payment scenarios show exactly how many months each $100 buys back.

Net worth

The one number that tells the truth

Accounts, assets, and debts rolled into a monthly net-worth series. No projections, no gamified score — just the trend line, computed from your own files.

Sinking funds · Reports

Save on purpose, report on everything

Sinking funds give every big irregular expense its own bucket. Reports slice spending by category, month, or payee — and export to CSV, because your data is yours.

How your data lives.

Open formats

Ledger writes one JSON file per year of transactions, plus a config file for accounts, budgets, and rules. Open any year in a text editor, diff it, script against it — it’s just data.

No proprietary database. No export fee. No account standing between you and your own files. If Ledger disappeared tomorrow, this folder still works.

Documents/Tynkr/Ledger/ ├─ ledger-2026.json · transactions, this year ├─ ledger-2025.json · transactions, archived ├─ ledger-2024.json ├─ budgets.json · methods, targets, history ├─ accounts.json · accounts, debts, assets └─ config.json · rules, categories, settings

Fair questions.

FAQ

Does Ledger connect to my bank?

No. Ledger never asks for bank credentials and makes no network requests to financial institutions. You import transactions by downloading a CSV from your bank’s website and dropping it into Ledger.

Where is my financial data stored?

In plain JSON files in a folder you choose on your own machine — one file per year of transactions, plus config files. You can open, back up, or move them with any tool.

Is there a subscription?

No. Ledger is a one-time purchase when it launches. Bug fixes are always free; major version upgrades are a separate purchase. There is no account and no recurring billing.

Does it work offline?

Yes, completely. The only network request Ledger can make is an optional check for updates, which you can turn off. Airplane mode is a supported configuration.

Can I get my data out?

It was never locked in. Your ledger is already JSON on your disk, and reports export to CSV. If you stop using Ledger, your files keep working with anything that reads JSON.