Your income, spending and savings in one place. Built for your iPad, encrypted on your device.
Using the app on another device already?
Works on your iPad · No bank logins · No subscription · PDF processing stays on your device
Make this an iPad appIn Safari, tap Share → Add to Home Screen → turn on Open as Web App.
◈ Private Ledger
Encrypted locally
YOUR MONEY, AT A GLANCE
Financial overview
Your income, spending and savings at a glance.
Verified income ↙
$0
Recognized income sources
Net spending ↗
$0
Expenses less identified refunds
Operating surplus ↗
$0
Verified income minus net spending
Needs review !
0
Transactions needing your input
Cash-flow trend
Recognized income versus spending · last 6 months
Income Spending
Spending by category
Where your money went this month
Accounts tracked
Imported statement sources
Recent transactions
Latest imported activity
Transfers, ignored transactions and unresolved inflows are excluded from operating surplus. This is cash-flow tracking, not a complete balance-sheet or tax calculation. All amounts CAD; do not mix currencies.
FAST AND REPEATABLE
Import statements
Pick a PDF bank statement from Files. We extract transactions so you can review and save them.
01 / SELECT FILE
Choose a bank statement
Choose a PDF bank statement or a CSV/TSV export. Text-based PDFs are extracted on this device; scans and some complex bank PDFs are not supported. Always reconcile rows, balances and amount direction against the original statement.
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Select a PDF, CSV or TSV statement
Processed on this device. We never upload the file.
Just trying it out?
02 / REVIEW PDF EXTRACTION
Verify every PDF transaction
PDF formats vary. Compare this list to your original bank PDF. Negative amounts = money out; positive = money in. Running balances must NOT be imported as transactions. Incorrect or missing lines will distort your dashboard.
Use
Date (YYYY-MM-DD)
Transaction description
Signed amount (CAD)
See text lines not recognized as transactions
These may include headings, subtotals or transactions missed by extraction. Check carefully.
03 / MAP COLUMNS
Review the statement format
Tip: Import the same statement twice and identical transactions will normally be skipped. If your bank's export has an unusual layout, use a redacted sample to develop a bank-specific template.
Import history
EVERY MOVEMENT, IN CONTEXT
Transactions
Review exceptions once; teach the app how to categorize future imports.
Date
Details
Account
Amount
Classification
Category
For matched transfers, classify both corresponding bank entries as Transfer. Bank statement formats vary: always verify sign convention and category assignments on first import.
SMARTER WITH EVERY IMPORT
Classification rules
Match a phrase in the bank description to a consistent category.
Create a rule
Your custom rules take priority over the built-in merchant suggestions. Phrase matches are case-insensitive.
Only create rules from distinctive description phrases. A rule can reclassify past transactions when you explicitly select that option.
My custom rules
PRIVACY BY DESIGN
Security & backup
Your encrypted data belongs to you. Protect access and keep a recoverable copy.
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Encrypted vault
Your vault is encrypted with AES-256-GCM and a password-derived key (PBKDF2-SHA-256, 600,000 iterations). Do not share your vault password.
StorageLocal browser database
ConnectionNo bank account linkage
Auto-lockAfter 10 minutes inactive
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Export encrypted backup
Download an encrypted copy of all accounts, transactions and classification rules. Store this in Files or iCloud Drive, and keep your master password safe.
Save a backup in Files or iCloud Drive after each statement import. Browser storage can disappear if website data is cleared.
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Restore encrypted backup
Import an encrypted backup. Restoring replaces the complete local vault on this device; it does not merge changes.
You will be asked for the backup's master password before anything is replaced.
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Your data, by the numbers
Original downloaded bank statements remain wherever you saved them; they are not protected by this vault. Secure or delete those originals separately. This app has not received an independent security audit.