PryvitLedger shows you your balance on every day of the month — paychecks, bills, and debt payoff, computed entirely on your phone or computer. No account. No bank login. Your numbers stay on your device.
A short look: an overdraft warning days before it happens, fixed by moving one bill, then a plan for paying off the cards with a payoff date for every one. Demo data only.
Will you overdraw before payday? PryvitLedger warns you days ahead, before the overdraft ever happens. Your dashboard shows the cash you can actually spend, until your next paycheck. The ledger shows every single day. See the dip, move one bill past payday, and the problem is gone. (Moving a date in the app changes your plan, not your bill: pay it on the new date, and ask your biller first.) Look at any month ahead, one click at a time. Then your credit cards. Pick a payoff strategy, compare every method side by side, and see a payoff date for every card. No bank login. No account. Your data stays on your device. Try it free at PryvitLedger dot com.
Narration is a computer-generated voice.
Free: this month and next. Pro ($39 once): all 12 months and the payoff-strategy comparison. No bank login, no account.
Most finance apps ask you to hand over your bank login, then live on their servers. PryvitLedger is built the other way around.
There is no account to create and no server of ours holding your numbers. They live in your device's own storage, so we never see them. The one exception is the optional AI coach: if you add your own key and ask it a question, your device sends that question and a snapshot of your numbers straight to Anthropic, never through us. Leave it off and nothing is sent.
Category pie charts don't answer the real question: will I clear the mortgage on the 12th before payday on the 10th lands? The day-by-day ledger shows your projected balance on every date, flags your lowest point, and warns you before an overdraft — not after.
The core app is free. Pro is a one-time $39 with no subscription — 12 months of new features are included, and everything you unlocked keeps working after that. Export your complete data as a file anytime and take it anywhere — it was always yours.
Not what's in the account today — what's left after everything between now and your next paycheck gets paid.
The ledger looks at every bill due before your next paycheck lands and shows the money that's genuinely yours to spend — not the misleading number on your bank's home screen.
Every payday, every bill, every debt payment posted to its actual day. Your lowest point gets flagged and overdraft risk is called out before it happens — not after.
One tap marks any bill paid ahead of schedule, and the entire ledger recalculates instantly — every projected balance downstream updates to match what actually happened.
Multiple jobs, side income, different pay schedules — each stream is tracked on its own. Got a raise or a schedule change? Update the stream and every future month reflects it.
Most budget tools assume every bill and paycheck lands exactly as planned. These are the features built for the weeks when they don't.
Electric came in high? Moving a due date this month? Edit that single bill's amount or day for just this month — next month snaps back to normal, and every balance after it recalculates.
Tap any income amount and enter what really landed. If you'd already marked it received, your balance corrects itself by the difference — and undoing it reverses exactly what was applied.
Log a loan — who, how much, how they're paying you back. Expected repayments show up in your ledger as income, a short payment pushes the end date out, and a progress bar shows what's left.
Enter your cards and pick a strategy — protect cash flow, balanced, snowball or avalanche. The app shows the month each card clears and the total interest, using your real paydays and bills.
Link a loan to its monthly bill and the balance walks forward as payments post, anchored to the balance on your latest statement. Re-anchor when the next statement arrives.
Set an emergency buffer and the dashboard warns you about projected dips below it in the weeks ahead — not just where you are today.
These are facts about price and design, not opinions. The other apps are good at things PryvitLedger deliberately isn't — they're listed below.
| PryvitLedger | YNAB | Monarch | Copilot | Rocket Money | Simplifi | |
|---|---|---|---|---|---|---|
| Cost over 3 years | $39 one-time Pro; free tier too | $327 $109/yr | about $300 Core, $99.99/yr | $285 $95/yr | $252–$504 Premium $7–14/mo | about $210 $41.88 yr 1, then $83.88/yr |
| Free version or trial | Free tier, no expiry | 34-day trial | 7-day trial | 1-month trial | Limited free tier | 7-day trial |
| Account to sign up | None | Required | Required | Required | Required | Required |
| Automatic bank sync | No — you enter your numbers | Yes (select banks) | Yes | Yes | Yes | Yes |
| Where your data lives | On your device | Their servers | Their servers | Their servers | Their servers | Their servers |
| Syncs across devices | No — export/import | Yes | Yes | Yes | Yes | Yes |
Prices as listed publicly on October 2, 2026, from the companies' own pricing pages where available (YNAB, Copilot) and from CNBC and The Penny Hoarder reviews (Rocket Money, Simplifi, Monarch). Three-year totals multiply the annual or monthly list price; promotions, taxes and plan changes aren't included. Simplifi's first-year price is a limited-time promotion. PryvitLedger Pro includes 12 months of new features; renewing after that is optional. Prices and features change — check each company before you decide. PryvitLedger is not affiliated with or endorsed by any company named here; names belong to their owners.
Demo data shown. Once installed, the app works offline — airplane mode included.
Twelve themes — including one for every branch of service.
No trials, no time bombs. The free app has no expiry.
In your browser's local storage on your own device. We don't receive it, sync it, or back it up — there is no server of ours that holds it. You can verify this: the app works with the network switched off entirely. The only exception is the optional AI coach, explained below.
Because nothing is in a cloud, you are your own backup. The app exports your complete data as a single small file — save it to your files, drive, or email it to yourself. Restoring on a new device takes one import. We recommend exporting after any big update to your numbers.
No — by design there's no server to sync through. Each device holds its own copy. If you use both, pick one as your main and move data with export/import when needed.
There is no App Store or Play Store step. Open app.pryvitledger.com in Safari (iPhone) or Chrome (Android), then add it to your home screen, and it opens like any other app. Two short videos show every tap: install on iPhone and install on Android.
The coach is optional, Pro, and bring-your-own-key. It does nothing until you paste in your own Anthropic key. When you then ask it a question, your device sends that question plus a snapshot of your numbers — balances, bills, debts, paycheck, your name and employer if you entered them — directly to Anthropic, never through us. Anthropic handles it under its own terms. If you never add a key, nothing is ever sent and the app works fully offline.
Yes — one payment, and the app plus everything your license unlocked works forever. Your $39 also covers every new Pro feature we ship in your first 12 months. After that you can optionally renew to get brand-new features, but nothing you own is ever taken away. Your key is tied to your email, verified on your device, and survives backups and new phones.
Add a weekly line — say "Groceries & gas, $250, every Friday" — and it posts to your ledger on its day like any other bill, so it's already counted in your safe-to-spend number. Adjust it for one month if a week runs over.
PryvitLedger is built and supported by one independent developer. Email hello@pryvitledger.com and you reach the person who writes the code.
Email hello@pryvitledger.com within 14 days of purchase and you'll get a refund, no interrogation.
PryvitLedger is built and supported by Sean, a solo developer in California. I started it because I wanted to leave my Excel budget without handing my bank login to anyone. I use it every day for my own money.
It costs almost nothing to run, so there is no subscription, no ads and no selling your data. The free version never expires. If something is confusing or broken, email me and I will answer.
Free, private, and installed in two taps.
Open PryvitLedger