Ledger

This month

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3-month avg

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Spending by category —

Category	Amount	%
No data yetGo to Import to add transactions.

Recent transactions

Import

Upload an Excel (.xlsx) or CSV file.

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Tap to choose file

xlsx · xls · csv accepted

Required spreadsheet format

date	description	amount	account	category	notes
2026-05-03	Coles 0645 Oakleigh	109.23	CBA Mastercard
2026-05-05	Salary	-3450.00	CBA Savings	Income

Positive amount = money out. Negative = money in (income, refunds). Date: YYYY-MM-DD. Category and notes are optional — the app auto-categorises.

Trends

Monthly spend —

By category

Category	Total	Avg/mo

Transactions—

Date	Description	Amount

Budgets

Monthly limits per category. Updates as you import each month.

Accounts

Auto-detected from imported transactions.

Loan vs Invest

Where should surplus cash go each month?

Mortgage balance ($)

Interest rate (% p.a.)

Remaining term (years)

Monthly surplus ($)

ETF return (% p.a., real)

Marginal tax rate (%)

Horizon (years)

Extra repayment split 70% loan · 30% ETF

100% ETF100% Loan

Not financial advice. Assumes constant rates, no contribution changes. CGT estimated at marginal rate × 50% discount (assets held >12 months). Excludes super, dividends, and offset interplay.

Settings

Data

Export backup

All transactions + rules as JSON

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Import backup

Restore from JSON backup file

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Wipe all data

Cannot be undone

✕

Categorisation rules

First matching keyword wins. Add your own or delete defaults.

About

All data stored locally in your browser (IndexedDB). Nothing leaves your device. No server, no tracking.