BudgetWisePersonal ledger
Private personal ledger

Know where
every dollar goes.

BudgetWise helps you track monthly income, categorize expenses across seven required categories, and understand your savings rate — with an AI health check that cites your actual numbers.

Start trackingHow it works
Private by design JWT secured SQLite persistence

No bank connection required. You enter what you want to track. Your data stays in your ledger — export as PDF or CSV anytime.

September 2026 — Example ledger
Illustrative monthly summary
Example
Example net savings
$2,410 41.2% saved
Income $5,850—Expenses $3,440
Needs 48%Wants 27%Savings 25%
50% benchmark80% benchmark

Expenses by category

7 categories
Housing$1,680
Food$680
Transport$420
Entertainment$240
Health$180
Subscriptions$95
Other$145

Example breakdown — your dashboard reflects your actual entries.

AI Financial Health Check

Returns 3 recommendations citing your totals — e.g. “Housing is 28.7% of income.”

Export

One-click monthly report

Everything a personal ledger needs.

Capture income and expenses, understand your financial position, and receive guidance grounded in your own numbers.

Capture that stays tidy

Add income by source and expenses by seven categories: Housing, Food, Transport, Entertainment, Health, Subscriptions, Other. Filter by month, edit inline.

HousingFoodTransportEntertainmentHealthSubscriptionsOther

Month and year selectors keep every entry in its proper period. No manual spreadsheet cleanup.

A dashboard that teaches

Income vs. expenses, category breakdown, savings amount and savings rate — plus a 50/30/20 gauge benchmarked to the classic rule.

What you see at a glance
  • Income, expenses, and net savings
  • Savings rate as a percentage of income
  • Donut chart across 7 categories (Recharts)
  • 50/30/20 bar vs. 50% / 80% benchmarks

AI that cites your line

One action, three specific recommendations. Each references your dollar figures and percentages — “Food is 28% of income” beats “spend less on food.”

Example response format

Citation“Your housing is 28.7% of $5,850 income — near the 30% guideline.”
ActionSuggested next step with estimated monthly impact.

Powered by Opencode — your data is sent only for this month’s totals, never stored by the model.

Budget limits per category
Set a monthly limit per category and see a clear alert when you cross it.
Month-over-month trends
Compare this month against last to spot drift before it compounds.
Export PDF or CSV
Branded monthly report for your records — one click.
The 50/30/20 rule, made legible

Needs (Housing, Food, Transport, Health), wants (Entertainment, Subscriptions, Other), and what’s left for savings. BudgetWise classifies automatically so the gauge is always honest.

Needs 50%
Wants 30%
Savings 20%

Start with this month.

Create an account, add this month’s income, log your expenses, and run the health check. You’ll have a real savings rate and three cited recommendations — not generic tips.

Create your ledgerSign in

Takes under a minute. No credit card required.

Security & privacy
  • Passwords hashed with bcrypt; sessions via httpOnly JWT cookies.
  • Data persists in SQLite via Prisma — not in-memory, not in local storage.
  • AI receives only aggregated totals for the selected month. Keys stay server-side.
For evaluators: bring this build to the interview for a live walkthrough — auth, persistence, charts, and the Opencode health check.