HomeLedgerby Tugye
HomeLedger by Tugye · Family & Personal Expense Tracker

Track every expense. Build better money habits.

Everyone at home records what they spend and receive, in your own currency. See the month at a glance, keep to your budgets, forecast where you'll land, and save together for the things that matter.

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Free forever. No card needed, no third-party ads.

Any currency · 150+Cash, card, bank & mobile moneyMonth-end forecastWorks offlineScan receiptsGoal forecastsNet worth trackingPrivate personal entries

An example household. Your ledger starts empty, in your currency, private to your household.

Everything a household needs, nothing it doesn't

Simple enough for the whole family, careful enough for whoever keeps the books.

Any currency, anywhere

Pick your household's working currency when you set up: dollars, euros, pounds, shillings, naira, rupees and 150+ more, with or without cents.

Record in seconds, or snap a receipt

Type the amount, or take a photo of a receipt and check what it fills in, with 30 free scans a household each month. Cash, card, bank transfer or mobile money.

Budgets that warn early

Give each category a monthly limit. Bars turn amber at 85% and red when you go over, before the month is gone.

See the month before it ends

HomeLedger forecasts your month-end balance and the next three months from your repeating bills and usual spending.

Rent and salary, automatically

Mark an entry as repeating once. Each month's entry is recorded on the right day, in your household's own time zone.

Shared book, private book

Household spending is shared with the family. Your own entries and categories stay private to you.

Goals that forecast themselves

School fees, an emergency fund, a trip home. Set a date and HomeLedger tells you when you'll get there at your current pace, whether you're on track, and how much a month would make it.

Works offline

Install it on your phone. It opens without a connection, and entries you record offline sync when you're back.

The whole household

Invite a partner, parents or grown-up children. Everyone sees shared entries as soon as they're saved.

Optional module · Wealth & net worth

See everything you own and owe, and what it adds up to

Switch on Wealth & net worth to track bank accounts, mobile money and cash, land and property, vehicles, livestock, SACCO savings and investments, alongside loans and money you owe.

  • Balances that keep themselves up to date. Say which account an entry was paid from or received into, and the balance moves.
  • Buying, selling, borrowing and repaying. Link an entry to your land or your loan, and both sides update: cash goes down, the asset goes up.
  • Monthly on autopilot. Repeating entries carry their links, so salary lands in the bank and the loan comes down every month.
  • Your net worth over time. Assets minus liabilities, the change this month and a six-month trend. Revalue land or a car when its worth changes.
  • Family and personal, kept apart. Shared accounts for the household; your own wallet and savings visible only to you.

Up and running in three steps

Step 1

Set up your household

Sign up, name your household, choose your working currency. Common categories are ready to go.

Step 2

Invite who shares the money

Add family members by email. Everyone records from their own phone, into one book.

Step 3

Know where you'll land

See the month at a glance, the forecast to month-end, and a short summary by email every Monday.

Shared where it should be, private where it matters

Each entry goes in the household book or your personal book. The database enforces it, not just the screen.

Household book

Rent, food, school fees, bills. Everyone in the household sees these entries and the shared budget.

Personal book

Your own spending, side income and categories. Only you can see them, not even the household owner.

Start your HomeLedger today

Free forever. Set up in two minutes, in your own currency. Invite the household when you're ready.

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