OneLedger

Track, project and simulate your net worth — 100% on your device, no bank connection.

OneLedger brings together accounts, portfolios (stocks, ETFs, crypto), real estate, and loans in one app, on iPhone, iPad, and Mac.

Think long term, track your objectives

Building wealth takes years. OneLedger is built for a long-term view: you set your goals (retirement, property purchase, project savings) and follow how your situation evolves over time. Dashboard, projection charts, and wealth evolution give you a clear picture of where you stand and where you’re heading.

Savings and accounts

Centralise your bank and savings accounts (checking, savings, brokerage…). See totals, history, and breakdown by category.

Portfolios: stocks, ETFs and crypto

Create portfolios by goal (retirement, project, liquidity). Add positions in stocks, ETFs, or crypto (BTC, ETH…) with quantity and purchase price. Track the value and performance of each portfolio, refreshed automatically via an optional API key.

Real estate and loans

Record your properties and their linked loans. Run repayment scenarios (rate, term, monthly payment) and compare the impact on your cash flow. You get a clear view of debt and net real estate wealth.

Scenarios and analysis

Use scenarios to project your savings and goals over time. The Expert module offers macro indicators (liquidity, valuation, economic cycle) and tools such as rate stress tests to support your long-term thinking.

Privacy by design

No bank connection, no account to create, no server: your data is encrypted and stays on your device, with local encrypted backups. A single one-time purchase unlocks the full version — no subscription.

Who is it for?

Individuals who want a single view of their wealth, without relying on a bank connection or a mandatory cloud subscription. 14-day free trial, English interface, available on iPhone, iPad, and Mac.

Also available from Siri, Spotlight and the Shortcuts app, without opening it.

Download OneLedger and take control of your net worth.