PocketLedger — Local-First Budgeting App

What it does & who it's for

Every budgeting app wants two things you shouldn't have to give it: your bank credentials and $9 a month, forever. PocketLedger is the other philosophy — a real, installable envelope-budgeting app where all data lives in your browser's local storage. No accounts, no server, no analytics, no network calls. There is nothing to breach and nobody to subscribe to. The method is classic envelope budgeting: set the month's expected income, give every dollar a job across envelopes (Rent, Groceries, Transport… rename and add freely), then log spending against them. Progress bars turn amber near the line and red past it, and when life overruns an envelope you move money between envelopes — the honest version of borrowing from Fun money, with the month's totals kept true. New months carry your envelope plan forward automatically; the month-end Review shows which envelopes held and which lied, so next month's budget is a better guess. Logging is a five-second habit (amount, envelope, note, date) — or skip the typing: import your bank's CSV weekly and let keyword rules auto-sort transactions into envelopes (woolworths = Groceries). The import understands standard AU bank exports, only imports the month you're viewing, and previews everything before anything lands. Backup is one tap: your entire history as a single JSON file, restorable on any device. It installs like a real app — add to home screen on a phone, install from the browser on desktop — and works offline once installed. Under the hood it's ~600 lines of commented vanilla JavaScript, three files, no frameworks, no build step. And the licence is the quiet headline: PocketLedger ships Ready-to-Brand. The included rebranding guide walks the full rebrand (name, colours, icon, storage namespace) in about twenty minutes, and your licence covers selling the rebranded app as your own product — including the niche-it-down playbook that makes that work. The live demo is the real app with three months of sample data; everything you test is exactly what you get.

Version history

1. v1.0Latest26 July 2026

Licence & terms

These terms are snapshotted at purchase — what you see here is what applies to your order.

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