STX One

STX One is a local-first personal ledger built around a load-first budgeting model. Instead of only showing how much you spent, STX One helps you separate the monthly foundation load required to keep life running from the flexible layer you can adjust. Use STX One to: Record income and expense entries quickly Classify spending as Foundation or Flexible Track recurring items such as rent, utilities, insurance, salary, and subscriptions Review a monthly snapshot of foundation load, flexible spending, inflow, and net position See fixed-load trends over time Understand how much of your monthly outflow is tied to non-negotiable obligations Search, edit, and delete records anytime Keep your ledger stored locally on your device STX One is designed for people who want a clearer view of personal finance: What is the minimum monthly cost of maintaining my current lifestyle? Which expenses are load-bearing, and which are adjustable? How much room is left in this month’s budget? No account required. No cloud dependency. Just a focused, practical ledger for clearer monthly decisions.