OneLedger

Where will your net worth be in fifteen years? OneLedger works it out on your iPhone, with no bank connection and no subscription. OneLedger brings together accounts, portfolios (stocks, ETFs, crypto), real estate, and loans in one app. 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 with quantity and purchase price. Track the value and performance of each portfolio, refreshed automatically without an API key. Add your own key if you want a longer price history. 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. Download OneLedger and take control of your net worth.