Safe to spend today
One number each morning: what you can spend without coming up short before payday.
Obsidra Ledger
The private money app for couples and side hustlers.
Budget, bills, investments, a side business and a shared household, in one app that keeps your numbers on your own computer.
No bank loginWindowsYour data stays yours
Everything in one place
Eight tools that usually take five apps.
Money health score
A 0–100 score with a weekly change and the one move that would raise it most.
“What if?” planner
New car, a baby, a raise, paying off a card: see the effect on cash and net worth before you decide.
Smart rules
“Costco → Groceries.” Teach it once and every entry and import follows.
Goals & projections
Savings goals with dates, and where your net worth is heading 5 to 30 years out.
Dashboard & alerts
Income, spending, what's left and gentle heads-ups when a category runs hot.
Cash flow forecast
Your balance day by day for 90 days, with bills and paydays on the line.
Couples & household
Shared bills, who owes who, and private tabs for each person.
Side hustle & taxes
Invoices, mileage and a year-end tax pack sorted into Schedule C lines.
Investments
Holdings, dividends by month, rebalancing and net worth over time.
App lock & encryption
A passcode and AES-256 encryption for your data and backups.
Bank CSV import
Bring in your bank's download. No bank login, ever.
Two editions
Pay once, or go live.
Ledger Offline
$29 one-time
Runs on your Windows PC. Pay once, keep it forever. Your data never leaves your computer. Update prices yourself in one click.
Ledger Online
$5 / month
Everything in Offline, plus live investment prices, encrypted cloud backup and sync between devices. Bank syncing planned later.
Planned prices. Waitlist members get Founder pricing. Already have Ledger? Help & setup.
Privacy first
Your money, on your computer.
Most money apps want your bank password and keep your data on their servers. Ledger Offline doesn't ask for either. Your numbers live on your PC, and you decide what goes in.
Turn on app lock and everything is encrypted with your passcode, including the backups you download.
Projections and tax estimates are guides for planning, not financial advice.
Is my data uploaded anywhere?
Not with Ledger Offline. Everything stays on your computer. Obsidra Labs never sees it.
Do I have to connect my bank?
No. You can type entries in seconds or import the CSV file your bank gives you.
What's the difference between Offline and Online?
Offline is a one-time purchase that runs on your PC with prices you type in. Online adds live investment prices, encrypted backup and sync between devices for $5 a month.
Mac or phone?
Ledger Offline is for Windows to start. Online will open on more devices.
When can I get it?
It's in beta now. Join the waitlist for Founder pricing, or apply for the beta to get Ledger Offline free for life.