Ledgr

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

Features

Core

• Quick transaction capture — Expense/Income toggle at top; chip-based category selector; log expenses and income in seconds; Enter saves from the amount field on desktop
• Dashboard — Income | Expenses | Net Position cards; savings rate gauge ("of operating income"); Spending by Category with OCF-only toggle; Cash Flow Health panel (OCF/ICF/FCF); urgency banner for overdue payments
• Scheduled This Month — unified view of all bills and liability payments due this month with week grouping, urgency sorting, and a Scheduled · Paid · Remaining footer
• Budgets — 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 and history chart
• Liability tracker — track loans, mortgages, credit cards; log payments with live balance preview; closure prompt when paid off
• Debt cost analysis — enter APR to see monthly interest cost, months to payoff, total interest, extra payment what-if, avalanche vs snowball priority order
• Property equity — link a mortgage to a property asset to track equity %, LTV ratio, and principal paid
• Financial statements — CPA-style Income Statement (operating expenses only; non-operating income shown separately), three-section Cash Flow (Operating/Investing/Financing), Balance Sheet; K/M/B formatting; correct sign on negative Net Worth
• Cash Flow Forecast — 3/6/12M projection, what-if simulator (up to 4 scenarios), Runway to Commit timing
• 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
• Recurring templates — save fixed monthly expenses and income; apply in one click at month start; idempotent (safe to apply twice)
• Investing category — worldwide subcategories for ETF/index funds, stocks, crypto, bonds, pension contributions (NISA/iDeCo, 401k, ISA, RRSP, Super, SSS), property, education, work tools — all classified as ICF
• Transaction search — live search by note, category, or subcategory on the dashboard

Recurring Bills

• Bills system — track subscriptions, utilities, and any recurring payment that has no running balance (Netflix, electricity, mobile plan)
• Monthly, annual, or one-time — annual bills require a due month (Jan–Dec selector); one-time bills auto-hide after first payment
• Nth-weekday support — schedule bills on "2nd Wednesday" or any ordinal weekday
• Calendar ○ markers — bills show as ○ on the calendar; ★ for debt payments — visually distinct
• Bill management — add via Obligations button on Dashboard; edit amount, category, frequency, and due date inline
• Urgency banner — overdue and due-soon bills appear alongside liabilities at the top of the Dashboard

Standing — The Bearing

• Financial health index — scored 0–100 from 6 behavioral pillars (Discipline, Ballast, Provision, Composure, Momentum, Reserve); Composure uses OCF expenses only so lump-sum investments don't distort the volatility score
• Shareable card — old money assay seal design, zero monetary amounts, exportable as PNG with assessment date
• Forward projection — "At current trajectory, Established in ~4 months" based on score history
• Behavioral guidance — weakest pillars surface with deep-links to the relevant section

Reports

• Monthly review — generate a Markdown note summarizing any past month
• Ledgr Wrapped — annual year-in-review note

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

Calendar

• Monthly calendar grid — transaction amounts per day (red = spend, green = income)
• Bill due markers (○) and debt payment markers (★) — different symbols for different obligation types
• Click any day to see transactions, bills due (with Log button), and debt payments (with Pay button)
• "+ Add" in the sticky header and in the day detail panel — pre-fills the exact selected date
• Forward navigation up to 3 months for planning upcoming obligations
• Mobile: stacked layout with detail panel below the grid

Settings — Features, Advanced & New Ledger

• Calendar week start — choose Monday (ISO) or Sunday under Settings → Features
• Fix Legacy Transactions — one-time migration tool to correct loan/mortgage payments that were mis-classified as Operating cash flow before v0.3.3
• New Ledger — wipe all financial data and start fresh; preserves settings (currency, folder, exchange rates); requires typing "NEW LEDGER" to confirm

Navigation & UX

• Sticky top tab bar — Dashboard | Net Worth | Statements | Standing | Calendar
• Transaction table shows category + subcategory in a two-line cell
• Segmented selectors for all binary choices (Expense/Income, Bill/Liability, Date/Weekday)
• Old Money design system — charcoal, small caps, tabular numerals, no emojis
• Guidance deep-links scroll to the relevant section in the target tab

Mobile

• Fully responsive throughout
• Category chip selector in Quick Capture — scrollable on mobile, wraps on desktop
• 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: 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
• Bills — ledgr-bills.json (recurring subscriptions and utilities)
• Transfers — remittances.json (if transfer tracker is enabled)

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

Configuration

Open Settings → Ledgr (⚙ gear icon on the Dashboard) or tap the gear in the sticky header.

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:

• Original amount, current balance
• Monthly payment amount and due day (supports Nth-weekday schedules like "2nd Wednesday")
• Reminder days ahead — shows the upcoming payments banner on the Dashboard

When a payment is due, the Urgency Banner on the Dashboard shows a Pay button. Tapping it opens a payment modal with a live preview (Balance → Payment → Remaining), logs the payment, and records it as an FCF-classified transaction.

Recurring Bills

Open Obligations on the Dashboard to manage recurring bills. Use the bulk entry table to add multiple bills at once:

• Name, amount (or "Varies" for credit cards), due day or Nth-weekday
• Frequency: Monthly, Annual, or Once
• Category: Utilities, Subscriptions, Transport, Rent, Insurance, Mobile/Internet, Other

Bills appear in the Scheduled This Month section and Calendar. When a bill is due, tap Log → to record the payment — it marks the bill paid for the month and saves a transaction.

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

Fields per transaction: date, type, amount, currency, category, subcategory, note, stream (ocf/icf/fcf).

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
  goals.json             # Savings goals
  remittances.json       # Transfer history (if enabled)
  ledgr-bills.json       # Recurring bills (subscriptions, utilities)
  ledgr-templates.json   # Recurring transaction templates
  ledgr-bearing.json     # Bearing score history (per-pillar, monthly)
  ledgr-nw-history.json  # Net worth snapshots (monthly totals)
  categories.json        # Custom categories (created when defaults are modified)
  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
• Transaction search across multiple months
• Net worth trend decomposition (productive vs consumer leverage)
• Budget roll-over / carry-forward
• Historical exchange rate tracking