LedgerView vs Net Worth & Assets Tracker

LedgerView is a local-first personal finance and net worth tracker built for people who want clarity without handing their financial life to another service. The Mac app is the source of truth for setup, CSV imports, manual balances, holdings, reconciliation, exports, and privacy settings. The iPhone app is a fast companion dashboard for checking net worth, accounts, investments, allocation, history, goals, and data freshness. LedgerView is not a bank aggregator and does not require linking financial accounts. It is designed for manual and CSV-first workflows, explicit data provenance, visible freshness, and exportability. Key features: - Private, local-first net worth tracking - Mac-first account setup, import, reconciliation, and export workflows - iPhone companion dashboard for quick review - Assets, liabilities, holdings, history, allocation, goals, and data health - Explicit source and freshness labels for important values - CSV export and manual data control - App lock and privacy-focused settings LedgerView helps you replace fragile spreadsheets with a calm, durable personal balance sheet that stays under your control. Optional AI Assistant lets you ask questions and follow up in a conversation. Choose Apple on-device AI on supported devices or OpenAI with your own API key. Sharing selected financial data with OpenAI requires your confirmation. OpenAI API usage follows your account limits. AI explanations can be mistaken; review the app-calculated facts and cited sources.

Your net worth is one number — everything you own minus everything you owe. NetWorth turns scattered balances into that number, tracked over time, entirely on your iPhone: no bank login, no account, no internet required. Add each asset and liability by hand — cash, savings, brokerage, retirement, property, vehicles, crypto, plus mortgages, loans and cards — and the app does the accounting: a live personal balance sheet, a 0–100 Financial Health score built from your debt-to-asset and liquidity ratios, and a dated snapshot trend that shows whether the line is actually going up. WHAT YOU GET • Your real net worth on the opening screen — total assets minus total liabilities, with the change since your last snapshot • A 0–100 Financial Health score that tells you not just your number, but whether your debt load and cash buffer are sound • An allocation donut, a liquid-vs-illiquid split and debts ranked by interest rate, so you know which balance to attack first • Goal milestones with a countdown: enter a monthly saving figure and watch "34 months to your first $100k" shrink as you log • A wealth chart built from dated snapshots — save one after each payday and see years of progress in a single curve • An optional monthly snapshot reminder so check-in day never slips, plus six plain-English guides on liquidity, the debt avalanche, debt-to-asset ratio and more PERFECT FOR • Savers who want one honest number instead of eight banking apps • FIRE and debt-payoff planners tracking progress toward a dated target • Property, crypto or cash holders whose wealth never shows up in a bank feed • Anyone who refuses to hand their bank credentials to an aggregator WHY NOT JUST LINK MY BANK? Aggregator apps only see the accounts they can connect to — and they see all of it. Manual entry takes two minutes a month, covers what feeds miss (your home, your car, crypto in cold storage, a loan to a friend), and keeps your credentials where they belong: with you. PRIVATE BY DEFAULT Everything is stored locally on your device. No sign-up, no cloud, no tracking, no bank connection — your balance sheet never leaves your phone. FULL ACCESS NetWorth Pro unlocks unlimited accounts and unlimited goals, plus the full Insights tab — asset allocation, liquidity breakdown and debt ranked by interest rate. Available as a weekly subscription, a yearly subscription, or a one-time lifetime purchase. Add your first three accounts tonight — your net worth, health score and trend appear the moment you do. Terms of Use: https://leanstudio.asia/terms-of-use Privacy Policy: https://leanstudio.asia/privacy-policy Support: support@leanstudio.asia