A personal budgeting app
You're keeping a dozen promises to yourself. Is every one on pace?
A vacation fund, car maintenance, groceries, gifts, a couple of savings targets — each one is a small promise to a future version of you. Ledgerly watches all of them at once, so an expensive month in one never quietly costs you another.
The hard part was never logging a purchase. It's holding a dozen ongoing goals in your head at once and knowing whether you're actually keeping all of them — and whether a rough month in one quietly borrowed from a goal you weren't even watching.
Three accounts, one ledger
The Buckets
Every fund has its own purpose, its own balance, and its own rules — a sinking fund for irregular costs, a bill that resets monthly, a target that caps out once it's full. Money never crosses from one purpose to another by accident.
gift fund · sinking $340 of $600 savedThe Full Picture
One glance across every bucket tells you if any of them is falling behind — and confirms that an expensive month in one place stayed there, instead of quietly draining somewhere else.
kitchen fund ran $2,300 over its plan — paid from its own balance, nothing else touchedThe Projection coming soon
Given how full every bucket already is, what you contribute monthly, and what's already coming up, Ledgerly tells you what you're actually on pace to have — not a guess, a number you can check against reality later.
"House Fund projects $380 short by December. $32 more a month closes the gap — before it becomes a surprise."
Where this stands today
Built solo, evenings and weekends. Dates are honest estimates, not promises.
The ledger, the buckets, the imports
Apple Card CSV import with duplicate-safe deduplication, four bucket types including capped target funds and carry-forward sinking funds, manual classification, and the always-current dashboard. This is what's actually live today.
Planned expenses and the savings projection
Known and expected upcoming costs, a monthly funding plan, and the forward-looking number this whole idea is built around — what you're actually on pace to have saved.
Smarter classification, conversation, more accounts
Merchant memory and rule-based classification before any AI guesswork, natural-language questions about a month, and imports beyond a single credit card.
What this becomes
Two screens from the building · fall 2026 milestone above. Not live yet — this is the target, built from the same numbers already in the docs.
conceptmonthly funding plan · dashboard
‹ August 2026 ›
on paceGroceries
$410 / $500
reset · on pace
Dining
$340 / $250
reset · over
Vacation fund
$1,440 / $2,000
target · on pace
Car maintenance
$260 / $300
sinking · on pace
Gift fund
$90 / $150
sinking · on pace
House fund
$3,120 / $6,000
target · projected short
conceptmonth-end review · the story behind the number
January 2026 — Month in Review
January finished $840 behind plan. About $630 came from an irregular automotive repair. Ordinary consumption was roughly $210 above plan, primarily restaurants.
It's not for everyone. It's for anyone juggling more goals than they can hold in their head.
No streaks, no shame, no chart for its own sake — just a clear answer to whether every fund you're building toward is actually on pace.