🏠 Ledgerlite Home
Envelope 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 screenshot is being captured — the app is shipped and real.
Features
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 at $14.99/mo runs roughly $99/year — $198 over two years. Ledgerlite Home is $15, once.
| 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.
Three steps, no subscription
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 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.
Honest answers
Is it really free on GitHub?
Yes — Ledgerlite Home is MIT-licensed at github.com/bensblueprints/budget-planner-personal. 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.
Own Ledgerlite Home forever
$15 once. Signed installer, 1-click setup, updates included. No renewal, no account with us, no meter. Or build it yourself from the MIT source — it's the same app.