Track your complete financial picture from a single desktop app. No cloud accounts, no subscriptions, no data leaving your machine.
I built QuietLedger because I wanted one place to see everything (debt, investments, savings, taxes) without handing my financial data to a cloud service. Every budgeting app I tried wanted an account, wanted my bank credentials, or stored my data on their servers. I didn’t want any of that. I wanted something that runs locally, works offline, and keeps my numbers to myself.
So I built a desktop app that does exactly that.
What QuietLedger Does
QuietLedger is a privacy-first desktop application for managing personal finances. Everything runs on your machine in a local SQLite database.
Dashboard
- Full financial overview at a glance
- Color coded cards for total debt, portfolio value, cash savings, precious metals, back taxes, and net worth
- Monthly expense summaries
Debt Tracking
- Separate tables for recurring expenses (rent, utilities, insurance) and payable debts (credit cards, vehicles, back taxes)
- Back taxes stay in sync with your tax history automatically on every launch
Payoff Calculator
- Debt snowball strategy with projected payoff dates
- Debts ordered smallest balance first
- Zero balance accounts automatically hidden until new charges appear
Investments
- Stocks, ETFs, mutual funds, and cryptocurrency with live prices
- Organized by brokerage and account type in separate tabs (Taxable, Traditional IRA, Roth IRA, Crypto)
- Real time profit/loss tracking with section and portfolio totals
Savings
- Cash savings accounts with emergency fund progress tracking
- Precious metals (gold, silver, copper) with live spot prices by weight unit
Taxes
- Historical salary and tax records with a current year estimator
- Predicted salary calculated from your year over year growth rate
- Dynamic notes show exactly how estimates are derived
Analytics
- Charts for net worth, debt payoff progress, and portfolio value over time
- Daily snapshots for long term trend tracking
How It Works
QuietLedger stores everything in a local SQLite database on your machine. The only network calls are read-only market price lookups. Ticker symbols go out, prices come back. No personal or financial data is ever sent anywhere.
Backups use AES-128 encryption with password protection. Your data is safe even if the backup file is shared or intercepted.
Other Features
- Dark and Light Themes Switch from the application menu. Stored per session.
- Built-in User Guide No external docs needed to get started.
- Encrypted Backup and Restore AES-128 with password protection. Portable backup files.
- Database Migrations Seamless upgrades as new features ship.
- No Accounts, No Telemetry Zero tracking, zero cloud sync, zero sign-up.
- Portable Database The SQLite file is yours to keep, move, or back up however you want.
Current Status
QuietLedger is in active development. The core features work and I use it daily.
What works today:
- All 7 tabs fully functional (Dashboard, Debt, Payoff, Investments, Savings, Taxes, Analytics)
- Live market prices for stocks, ETFs, mutual funds, and crypto
- Debt snowball payoff projections
- Tax estimation with historical growth prediction
- Dark and light themes
- Built-in user guide
- Encrypted backup and restore
- Database migrations for seamless upgrades
Coming soon:
- Source code release
- Standalone Linux builds (PyInstaller)
- macOS and Windows support
- Additional documentation
Links
The source repository is private at this time. Check back here for updates and release news.
QuietLedger is open source under AGPLv3. Built by QuietWire.
Published May 11, 2026 at 7:52 PM EST
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