Control
You decide what to enter, what to update, and what stays on your Mac.
YOUR MONEY. YOUR DESKTOP. YOUR CONTROL.
A clearer picture.
A calmer financial life.
Your budgets, accounts, debts and goals. Finally together.
Meet the personal finance app that helps it all make sense.
macOS Local-first No bank connection Manual control
Finance Ledger — your financial overview
A little clarity goes a long way.FINANCE LEDGER FOR macOS · DEMO DATA
Stored on your Mac No bank connection Manual by design Built for desktop
YOUR FINANCIAL DATA STAYS ON YOUR MAC
On your Mac. In your hands.
Finance Ledger is designed without requiring a bank connection. It does not need access to your online banking credentials. Your financial records live locally on your Mac, so Kernyard cannot see the information you track. Privacy and local ownership are deliberate product choices—not missing features.
WHY LOCAL-FIRST?
Your money stays yours.
Local storage keeps you in control: your records stay on your device, without a cloud account dependency or unnecessary third-party exposure.
Privacy
Your budgets, accounts and transactions are not sent to Kernyard to operate the app.
Independence
Use Finance Ledger without creating another cloud finance account to hold your data.
Less exposure
No bank feed means fewer third parties involved in how you organise your money picture.
MANUAL TRACKING
Built for people who want to manage their own numbers.
Finance Ledger is for people who prefer to enter account balances, budgets, debts, goals and transactions themselves. That keeps the picture intentional, understandable and free from automatic bank feeds or Open Banking connections.
WHO IT IS FOR
Who Finance Ledger is for
A calmer desktop place for people who want clarity and control—not another service watching their bank.
- People currently budgeting with spreadsheets
- People who want a clearer monthly cashflow view
- People managing multiple current, savings, investment or property accounts
- People tracking debts alongside savings goals
- People who prefer manual financial control
- People who do not want to connect their bank to another service
A CLOSER LOOK
The product,
screen by screen.
Large views of the real app — budgets, accounts, debts, goals and more.
Finance Ledger — Dashboard
Finance Ledger — Monthly Budget
Finance Ledger — Cashflow
Finance Ledger — Accounts
Finance Ledger — Assets / Net Worth
Finance Ledger — Debts
Finance Ledger — Savings Goals
Finance Ledger — Forecasting / reports
FOLLOW THE MONEY
See where
every pound goes.
Watch income flow into essentials, lifestyle spending, debt repayments, savings and investments. A clear cashflow view makes the connections easy to follow—no technical jargon required.
- Compare planned and actual spending
- Explore where your money goes
- See the detail behind each category
Finance Ledger — Cashflow
LESS GUESSWORK. MORE CLARITY.
Organised around
outcomes that matter.
From this month’s spending to the bigger picture, Finance Ledger keeps the numbers connected.
PLAN YOUR MONTH
Give every pound a purpose.
Plan your month, compare your budget with actual spending, and see what is left to assign.
Finance Ledger — Monthly Budget
SEE THE FULL PICTURE
Accounts, assets and net worth together.
Bring current accounts, savings, property and debts into one view so you know where you stand.
Finance Ledger — Accounts
TRACK WHAT YOU OWE
Keep debts in the same picture.
Track what you owe alongside what you are building, so repayments do not sit in a separate mental spreadsheet.
Finance Ledger — Debts
BUILD TOWARDS GOALS
Make room for what is next.
Set savings goals and explore forecasts grounded in the numbers you already track.
Finance Ledger — Savings Goals
UNDERSTAND YOUR CASHFLOW
Follow the story behind the numbers.
See how income turns into essentials, lifestyle spending, debt repayments, savings and investments.
Finance Ledger — Cashflow
PRODUCT PHILOSOPHY
Software that helps you understand your money—not manage it for you.
Finance Ledger is designed for people who want clarity, planning, visibility and control. You remain in charge of the information you enter. The app organises the picture; it does not take over your finances.
A SIMPLE COMPARISON
Why Finance Ledger is different
A few deliberate choices that shape the product—without naming competitors.
| Bank connection | Not required |
|---|---|
| Financial records | Stored locally on your Mac |
| Manual control | Yes |
| Platform | Mac desktop |
| Household overview | Supported |
QUESTIONS
Frequently asked questions
Does Finance Ledger connect to my bank?
No. Finance Ledger is designed without a bank connection. You enter and update your own financial information, so you never need to share online banking credentials with the app.
Where is my financial data stored?
Your financial records are stored locally on your Mac. Finance Ledger is built so your money picture lives on your device, not in a Kernyard cloud account.
Can Kernyard see my financial data?
No. Because your financial records stay on your Mac, Kernyard cannot see the budgets, accounts, debts, goals or transactions you track in Finance Ledger.
Do I need an internet connection?
You do not need an internet connection to use Finance Ledger for day-to-day tracking on your Mac. Details about any optional online features at launch will be confirmed before release.
Is Finance Ledger a subscription?
No. Finance Ledger is a one-time purchase for Mac. You pay once and download the app. Future updates we make available are included at no extra charge.
Can I get a refund?
Finance Ledger is a downloadable digital product and cannot be returned once purchase and download access are provided, so sales are final. See finance-ledger.kernyard.com/refunds for fulfilment help if payment or download fails.
Which Macs are supported?
Finance Ledger for Mac supports Apple Silicon Macs. System details are listed with the download.
Can I use Finance Ledger for household finances?
Yes. Finance Ledger is designed to help you see individual and household finances together, so you can keep shared and personal money in one clearer picture.
Can I import or export data?
Import and export details will be confirmed before launch, based on what the app actually supports.
What happens if I replace my Mac?
Guidance for moving to a new Mac, including backup and licensing details, will be published before launch.
Does Finance Ledger provide financial advice?
No. Finance Ledger is a financial organisation and planning tool. It does not provide financial, investment, tax or legal advice.
Finance Ledger is a financial organisation and planning tool. It does not provide financial, investment, tax or legal advice.
GET FINANCE LEDGER
Finance Ledger
for Mac.
A dedicated place for your everyday finances.
Designed to feel at home on your Mac.
Finance Ledger for Mac
Desktop app · One-time purchase
- Budgets, accounts and transactions
- Debts, net worth, goals and forecasts
- Individual and household views
- Local-first · No bank connection
Secure checkout via Stripe. After payment you can download the Mac app. Downloadable software — no refunds once delivered. Updates included.
System requirementsApple Silicon Mac. The application is signed and notarized by Apple.