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
QuietLedger is open source under AGPLv3. Built by QuietWire.
Published May 11, 2026 at 7:52 PM EST