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Ledger
Financial planning that doesn't oversimplify you
Ledger turns your bank statements into one connected plan: spending, a budget, a running log and a retirement projection that all update together. Free, open source, no bank logins, no accounts.
I built it because most money apps stop at a spending chart and a monthly budget. Real planning has more moving parts, and they depend on each other: a paycheck is not your salary (a 401k deferral lowers income tax but not FICA, medical premiums lower both, and an employer match never hits your deposit), every debt has its own payment that frees up when it is paid off, and a 401k and a savings account are not the same money.
Ledger connects all of it. Your statements feed Spending, Spending feeds the Budget, the Budget's income and leftover feed the calculators and the Retirement plan, and your balances feed both. Change your salary once and the budget, rent scenarios and retirement projection all move.
How it works: download your statements from any bank, give them to an AI assistant (Claude, ChatGPT or Codex) with Ledger's import prompt, and upload the file it makes. Ledger itself never sees your statements, has no server and no accounts. Your data stays in your browser or on your own computer.
“Financial planning that doesn't oversimplify you”
Ledger was submitted on Product Hunt and earned 0 upvotes and 1 comments, placing #654 on the daily leaderboard. Ledger turns your bank statements into one connected plan: spending, a budget, a running log and a retirement projection that all update together. Free, open source, no bank logins, no accounts.
On the analytics side, Ledger competes within Open Source, Fintech, GitHub and Personal Finance — topics that collectively have 161.3k followers on Product Hunt. The dashboard above tracks how Ledger performed against the three products that launched closest to it on the same day.
Who hunted Ledger?
Ledger was hunted by Josh. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
For a complete overview of Ledger including community comment highlights and product details, visit the product overview.
Josh
Hi Product Hunt, I'm the maker of Ledger.
I built it because most money apps stop at a spending chart and a monthly budget. Real planning has more moving parts, and they depend on each other: a paycheck is not your salary (a 401k deferral lowers income tax but not FICA, medical premiums lower both, and an employer match never hits your deposit), every debt has its own payment that frees up when it is paid off, and a 401k and a savings account are not the same money.
Ledger connects all of it. Your statements feed Spending, Spending feeds the Budget, the Budget's income and leftover feed the calculators and the Retirement plan, and your balances feed both. Change your salary once and the budget, rent scenarios and retirement projection all move.
How it works: download your statements from any bank, give them to an AI assistant (Claude, ChatGPT or Codex) with Ledger's import prompt, and upload the file it makes. Ledger itself never sees your statements, has no server and no accounts. Your data stays in your browser or on your own computer.
It's free and open source (MIT), and I'd love to hear what is missing: https://github.com/itstoyboxlabs/ledger
There is a 24 minute video tutorial too: https://ledgerfinancialplanning....