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NET WORTH
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TOTAL ASSETSVIEW ALL →
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LIABILITIESVIEW ALL →
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Debt/Asset Ratio
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Asset Allocation
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Monthly Snapshot
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SAVED
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Expenses₹0
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Financial Health
Auto-syncedRecent Activity
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Net Worth Over Time
Take your first snapshot to start tracking history.
Net Worth Breakdown
Assets − Liabilities
Assets
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Net Worth
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INCOME THIS MONTH
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ACCOUNTS BALANCE → NET WORTH
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ALL-TIME INCOME
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Monthly Overview
Expense Breakdown
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Stocks
Mutual Funds
FD
Gold / SGB
US Stocks
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Holdings Breakdown
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ANNUAL PREMIUM
About Digi-Ledger
📚 Mini Lessons
🗒️ Notes
What is Digi-Ledger?
Digi-Ledger is a fully offline, single-file personal finance dashboard built for those who choose financial awareness. No server, no subscription, no login — everything lives in your browser. Your data never leaves your device unless you choose to export it.
Modules
◈
Dashboard
Your financial command centre — net worth, asset allocation, monthly savings rate, financial health score and recent activity at a glance.
◎
Net Worth
Full breakdown of assets minus liabilities with a visual calculation card. Tracks history via weekly auto-snapshots and manual ones.
↕
Income & Expenses
Full transaction ledger with accounts (Bank, Cash, UPI, Credit Card). Filter by account, category or month. Edit and delete any entry. CSV export.
◐
Portfolio
Track Stocks, Mutual Funds/SIP, Fixed Deposits, Gold/SGB, Silver, US Stocks, Real Estate and more. XIRR calculation, allocation donut chart, bulk price refresh.
◇
Goals
Track savings goals and emergency fund targets with progress bars and benchmark auto-fill.
◈
Debt Tracker
Separate module for debt payoff tracking. Debts auto-sync outstanding balance to liabilities in Net Worth.
□
Insurance
Track all your policies — Term, Health, Vehicle, Life, Accident. Coverage adequacy checks against your benchmarks.
Built-in Tools
⊞
Calculator
Simple arithmetic + SIP, Lumpsum and Loan EMI calculators with live visual results.
📸
Auto Snapshot
Weekly net worth snapshots saved automatically every time you open the app.
🔗
Google Sheets Sync
Push all your data to your own Google Sheet with one tap. Each user links their own Sheet.
🔒
PIN Lock
5-digit PIN (XX-XXX format) locks the app on every open. Set in Settings → App Lock.
↗
Export / Backup
Download a full JSON backup of all your data anytime from the Profile drawer.
☀
Theme Toggle
Switch between dark and light mode. Preference saved automatically.
Data & Privacy
🔐 All data is stored in your browser's localStorage with the prefix
dl_. Nothing is sent to any server.📦 Use Export Data (Profile → Export) to download a JSON backup anytime.
🔗 Google Sheets sync is optional and goes only to your own Sheet — nobody else's.
⚠️ Clearing your browser's site data will erase all Digi-Ledger data. Export regularly.
🔒 PIN lock is a convenience lock — data is not encrypted. Do not rely on it as your only security.
Version 1.0 · March 2026 · Offline-first · Made with ♥ in India
What's New
🔐
Login Screen
A private login gate before accessing the app. Set a username and password during first launch. Credentials are hashed and stored only on your device — never sent anywhere. Includes a one-time recovery key for emergencies, and a PIN lock for runtime security. Manage everything from Settings → Login.
📚
Mini Lessons
A built-in financial education tab with 10 beginner-friendly lessons covering the Financial Growth Ladder, emergency funds, insurance, compounding, debt, investing, and more. Filter by category — Basics, Saving, Investing, Debt, Mindset. Each lesson is a collapsible card with key points, a rule, a formula, and a takeaway. Lessons crafted by Spk — more coming in future updates.
🗒️
Notes & Checklists
A personal notes tab for quick thoughts, reminders, and to-do items. Add plain notes 📝 or checklist items ☑️ that you can tick off as done. Notes are saved automatically and persist across sessions. Useful for tracking financial goals, shopping lists, or anything you want to remember.