Personal Finance with Local AI
AI-powered transaction categorization. Bank imports. Tax reports. Budgets. Invoicing. All in one app, running on your computer. No subscription. No cloud required.
Tired of paying for software that holds your data hostage?
Most personal finance software charges monthly fees, locks your data in the cloud, and sells your information. OpenLedger is different.
Subscription Fatigue
Quicken: $119/yr. QuickBooks: $180/yr. Monarch: $99/yr. For features that should be free.
Cloud Lock-in
Your financial data stored on someone else's servers. Cancel and lose access to your own records.
Privacy Concerns
Cloud-based tools analyze your spending for ads and partnerships. Your data is the product.
Everything you need, nothing you don't
Built for freelancers, side-hustlers, and small business owners.
AI Categorization
On-device AI learns how you categorize. XGBoost ML + local LLM. No cloud required.
Banking & Import
Import QBO, OFX, CSV, PDF statements. SimpleFIN direct connections. Smart dedup.
Reports & Tax
Schedule C, spending reports, net worth, income vs expenses. Export for your accountant.
Budgets
Monthly budgets per category. Track spending vs budget with visual progress indicators.
Invoicing
Create, send, and track invoices. Draft, Sent, Paid. Simple, no complex A/R.
Privacy & Security
100% local data. No cloud account. Crash reports for stability — analytics opt-in only.
Join thousands managing their finances smarter
OpenLedger is built by people who were tired of paying for bloated software. It's free, it's private, and it works.
- Freelancers tracking expenses for tax time
- Side-hustlers separating personal and business
- Small business owners who need simple invoicing
- Privacy-conscious users who keep data local
- Anyone tired of paying $100+/year for finance software