OneTimeEnvelope budgeting that lives on your computer, not a server you rent.
YNAB is $14.99/mo — $99 or more a year, forever — for envelope math on top of your transactions that does not need a server, a login or a rent payment. Ledgerlite Home does the same job locally: zero-based budgets, CSV imports and a net-worth tracker, all in a SQLite file on your own machine. $15, once.
Ledgerlite Home in 60 seconds
Everything in the box
Local-first zero-based budgeting with CSV import, payee rules and net-worth tracking.
Zero-based budget
Assign every dollar of monthly income to a category envelope, with Income / Assigned / To-budget always in the header.
Rollover envelopes
Per-category toggle to reset monthly or carry unspent funds forward for sinking funds like Vacation or Car Repairs.
CSV bank import
Fast manual entry plus CSV import of any bank export.
Map columns once
Ledgerlite fingerprints each bank's header format and remembers your date/payee/amount mapping for next time.
Payee rules
Rules like payee contains KROGER to Groceries apply automatically on every import, creatable inline while editing a transaction.
Over-budget warnings
Envelopes turn red the moment available drops below zero.
Reports
Stacked spend-by-category bars for the last 6 months.
Net worth
Manual account balances with debts negative and a snapshot line chart over time.
Ledgerlite Home vs YNAB
YNAB charges $14.99/mo. Here's what actually differs.
| Ledgerlite Home | YNAB | |
|---|---|---|
| Price | $15 once | $14.99/mo |
| Your data | Local SQLite file on your disk | Their cloud |
| Works offline | Always | Limited |
| Account required | No | Yes |
| Zero-based envelope budgeting | Yes | Yes |
| CSV bank import w/ saved mappings | Yes | Yes |
| Automatic bank sync | No (import CSV exports) | Yes |
| Payee auto-categorize rules | Yes | Yes |
One month of YNAB just about covers Ledgerlite Home, and your budget never pays rent again.
One price. No asterisks.
Desktop app — pay once, it's yours on your machine forever.
Download Ledgerlite Home
install, then sign in with Whop. Your purchase unlocks it; there is no licence key to enter.
Ledgerlite Home
Windows and macOS. Buy once, download any time — this page always links the current build.
Up and running in three steps
Buy once on Whop
One payment of $15 gets you the packaged Windows installer, or clone the MIT source at github.com/bensblueprints/budget-planner-personal-mvp and build it yourself for free.
Install and open
Run the desktop app; it stores each budget profile as its own SQLite file under your OS user-data directory.
Import your bank CSV
Map the columns once, let payee rules auto-categorize, and assign every dollar to an envelope.
Fair questions
Is it really free on GitHub?
Yes — Ledgerlite Home is MIT-licensed at github.com/bensblueprints/budget-planner-personal-mvp. The $15 buys the packaged Windows installer; building from source is free.
Where does my financial data live?
In SQLite files under your OS user-data directory. No account, no cloud, no telemetry — copy the files to back up or move machines. Note there is no automatic bank sync; you import CSV exports.
Is this a subscription in disguise?
No. $15 once, own it forever, no renewal and nothing ever leaves your computer.
Related tools
More pay-once apps from the OneTimeSuite catalog.
More about Ledgerlite Home
Every page we publish about this app — comparisons, personas, platforms and the problems it solves.
Stop renting. Own Ledgerlite Home.
Local-first zero-based budgeting with CSV import, payee rules and net-worth tracking.
Get Ledgerlite Home — $15 once