Budget Ledger

Start by entering your opening balance: what was in the account on the day you began.

Deposits are money coming in. They show in angle brackets, like <$1,200.00>. Expenses are money you spent. Both change your balance right away.

Upcoming bills are money you need to set aside. They do not lower your balance until you pay them, but they are subtracted from Free to spend so you know what is really yours to use. Add a new bill for each billing period.

To pay a bill, tap Pay next to it. Enter the total you have paid and the date. Check Bill is fully paid when it's settled, even if the amount was different from what you planned. Leave it unchecked for a partial payment, and the rest stays set aside. The payment then appears in the Ledger on the date you paid.

Use it like an app. On iPhone or iPad, open this page in Safari, tap the Share button, then Add to Home Screen. On Android, open it in Chrome, tap the menu (three dots), then Add to Home screen or Install app. On a computer, bookmark this page. Once added, it works without internet.

Back up often. Your entries are saved in this browser on this device and are never sent to us. Clearing browser data, switching browsers, or moving the app file can make them unavailable. Download backup saves a file you can restore later or on another device. Restoring replaces what is here now, after you confirm.

Export CSV makes a report for spreadsheets. It cannot be restored; use a backup for that. Print makes a paper copy of your bills and ledger.