Ledgr

Multi-currency personal finance tracker that lives entirely inside your Obsidian vault. No accounts, no cloud, no subscriptions.

Features

Core

• Quick transaction capture — log expenses and income in seconds via modal or command palette; Enter to save on desktop
• Dashboard — monthly cash flow summary: income, expenses, savings, savings rate gauge, category donut chart, 6-month trend, per-category budget bars
• Budgets — set per-category monthly limits with over-budget indicators and fixed/variable classification
• Net worth tracker — bank accounts, investment accounts, and liabilities across multiple currencies with allocation chart
• Liability tracker — track loans, mortgages, credit cards, and installment plans; log payments with live balance preview; due-date reminders on the dashboard
• Financial statements — CPA-style Income Statement (with budget vs. actual variance), Cash Flow, and Balance Sheet; K/M/B formatting for large amounts
• Savings goals — set a target amount, deadline, and linked account; see projected completion date and progress bar
• Daily countdown — budget remaining and daily allowance for the rest of the month

Reports

• Monthly review — generate a Markdown note summarizing any past month: income, expenses, category breakdown, notable transactions, vs. last month
• Ledgr Wrapped — generate an annual year-in-review note with best/worst months, top spending categories, and transfers summary

Transfer Tracker (opt-in)

• Log international money transfers with fee, exchange rate, and received amount
• Dashboard widget with monthly and YTD totals, lifetime sent, history with period filter

Navigation & UX

• Sticky top tab bar — Dashboard | Net Worth | Statements — works on mobile and desktop
• Transaction edit and delete (2-step confirm on delete)
• Currency toggle — switch between base and secondary currencies instantly
• Old Money design system — charcoal, small caps, tabular numerals

Mobile

• Fully responsive throughout
• Safe-area-inset support for iPhone notch and home indicator
• Compact controls in sticky zone on small screens

Quick Start

Manual installation:

1. Download main.js, manifest.json, and styles.css from the latest release.
2. In your vault, create the folder .obsidian/plugins/ledgr/.
3. Copy the three files into that folder.
4. Open Obsidian → Settings → Community plugins → enable Ledgr.
5. The onboarding wizard runs on first launch.

From the community store (pending review): search "Ledgr" in Settings → Community plugins → Browse.

How It Works

All data is stored as plain files in your vault under a configurable folder (default: Private/Finance).

• Transactions — monthly Markdown files (transactions/YYYY-MM.md) as human-readable tables with Dataview inline fields
• Budgets — budgets.json
• Net worth — networth.json (accounts, brokerages, liabilities)
• Goals — goals.json
• Transfers — remittances.json (if transfer tracker is enabled)

No external services are contacted. No data ever leaves your device.

Configuration

Open Settings → Ledgr or tap the gear icon on the dashboard.

Exchange rates use the format BASE_QUOTE — e.g. JPY_PHP means 1 JPY = X PHP.

Liability Tracker

Add liabilities (mortgage, car loan, credit card, personal loan, student loan, installment/BNPL) in the Net Worth tab. For each liability set:

• Original amount and current balance
• Monthly payment amount and due day
• Reminder days ahead (shows upcoming payment banner on the dashboard)

When a payment is due, a banner appears on the dashboard with a Pay button. Tapping it opens a payment modal showing a live preview (Balance → Payment → Remaining), logs the payment against the account balance, and records it as a transaction in the correct expense category.

Transfer Tracker

Enable in settings. Log any international transfer with:

• Amount sent and received
• Service (Wise, Revolut, Bank Transfer, or custom)
• Fee and exchange rate at time of transfer

Dashboard shows monthly/YTD totals alongside regular spending. Full history with month/year/all-time filter.

Dataview Compatibility

Transactions are written with Dataview inline fields so they can be queried directly.

TABLE amount, currency, category, subcategory
FROM "Private/Finance/transactions"
WHERE type = "expense"
SORT date DESC

TABLE sum(amount) as Total
FROM "Private/Finance/transactions"
WHERE category = "Food & Drink"
GROUP BY date

Fields per transaction: date, type, amount, currency, category, subcategory, note.

File Structure

<financeFolder>/
  transactions/
    YYYY-MM.md         # One file per month — readable table + Dataview fields
  budgets.json         # Category limits
  networth.json        # Accounts, brokerages, liabilities
  goals.json           # Savings goals
  remittances.json     # Transfer history (if enabled)
  reviews/
    YYYY-MM-review.md  # Generated monthly review notes
    YYYY-wrapped.md    # Generated annual wrapped notes

Development

Requirements: Node.js 18+, npm.

npm install

# Dev build with watch + auto-copy to vault
VAULT_PATH=/path/to/your/vault npm run dev

# Production build
VAULT_PATH=/path/to/your/vault npm run build

Create a .env file in the repo root with VAULT_PATH=/path/to/vault to avoid setting it every time.

Roadmap

• CSV import / export
• Recurring transaction templates
• Historical exchange rate tracking
• Net worth snapshots over time
• Multi-household / multi-country view