Total current balance across active cash accounts.
Personal money management
Private BetaYour money, clearly.
Know what you have, protect what is already committed, assign the rest, and stay ahead of the bills that are coming.
KNOW · ASSIGN · AHEAD
Approved preview dataOverview
The five-second money view
See where you stand in five seconds.
Four numbers answer the questions a bank balance cannot.
Protected tax money that is not treated as spendable.
Money received but not yet assigned to a category.
What remains after protected tax money and upcoming obligations.
Bank balances−tax reserves−upcoming obligations=available after upcoming obligations
- How much money do I have?
- How much is already protected?
- How much still needs a job?
- How much is actually safe after upcoming obligations?
Example amounts are clearly labeled preview data, not customer information.
The problem
A bank balance does not tell you what is safe to spend.
A checking balance can include rent, taxes, upcoming payments, savings, and income that has not been assigned yet. One large number does not explain which dollars are free and which already have a purpose.
Money Ledger separates those responsibilities without turning personal money into a complicated accounting system.
How Money Ledger works
Every dollar gets a clear job.
Enter a transaction once. Connected balances, categories, totals, reports, and relevant warnings update from the same record.
- 01
Add what you have
Enter current accounts and starting balances so the system knows how much cash exists.
- 02
Assign the money
Allocate available dollars to editable categories for real expenses, taxes, and savings.
- 03
Record what happens
Add income, spending, or transfers and update the connected parts automatically.
- 04
Stay ahead
See bills, low categories, overspending, protected taxes, and what remains after obligations.
Monthly Budget
Plan the month without losing what came before.
Build the budget around editable category groups and the obligations that matter this month. Unused money rolls forward instead of disappearing at month-end.
Previous Available+Assigned−Spending=Current Available
- Editable groups and categories
- Targets, due dates, and notes
- Move money between categories
- Low-balance and overspending warnings
- Negative Ready to Assign warning
- Month-to-month rollover
Monthly Budget
Preview dataSeptember 2026
CategoryTargetAssignedActivityAvailable
Home and essentials
Housing$1,450$1,450−$1,450$0
Food$500$500−$286$214
Transportation$425$425−$178$247
Work and protection
Software$160$160−$197−$37
Tax Reserve30%$375$0$375
Transactions
Enter it once. Update everything.
Add income, spending, and transfers with the account, category, payee, date, and a useful memo. Search, filter, edit, duplicate, split, or safely delete records. Appropriate recent actions can be undone.
- Balances and category activity update together
- Monthly totals, cash flow, and warnings stay connected
- Transfers create matching account effects
- Transfers are not counted as income or spending
Accounts and reconciliation
Know that the numbers match reality.
Track checking, savings, cash, and payment accounts with starting balances, history, transfers, adjustments, and active or closed states.
Simple reconciliation
Manual entry first. No live bank synchronization.Compare the Money Ledger balance with the real account balance. Find missing or incorrect transactions, correct them, and confirm when the totals match.
Income and Taxes
Protect tax money before it gets spent.
Mark income as taxable when appropriate, set a planning percentage, calculate a suggested reserve, and assign that amount to the Tax Reserve category. Protected tax money stays separate from what is available to use.
- Track income and tax totals over time
- Adjust the reserve when circumstances change
- Review protected money separately
Money Ledger is organizational software. It does not provide tax, legal, accounting, or investment advice.
Income entry
PreviewClient payment
- Income received
- $1,250
- Tax reserve at 30%
- −$375
- Remaining before other assignments
- $875
The percentage shown is an example, not a recommendation for every person.
Overview and attention alerts
See what needs attention without hunting for it.
The overview brings today’s position, recent activity, and upcoming obligations together. Calm alerts explain what happened and offer an obvious next step.
See the obligations ahead of you.
Upcoming Bills
September$1,778 due soon
- RentHousing · Sep 15$1,450
- Auto PaymentTransportation · Sep 18$287
- PhoneUtilities · Sep 21$41
Add one-time or recurring bills, set the amount and due date, connect a category, mark paid, edit, or remove. View by month with upcoming and overdue warnings.
Calm alerts with a clear next step.
Attention
Preview data5 items to review
- Software is $37 over budgetMove money or review the transaction.
- Income has not been assignedGive the remaining $620 a job.
- Auto Payment is due soonConfirm that its category is funded.
- Auto Payment has $0 availableFund the category before the due date.
- Ready to Assign is below zeroReduce assignments or record missing income.
Cash in AccountsReserved for TaxesReady to AssignTrue available amountMonthly income and spendingCash-flow chartRecent transactionsCategory warnings
Reports
Understand the month without becoming an accountant.
Review income, spending, cash flow, categories, income sources, tax reserves, budget performance, account balances, upcoming obligations, and monthly comparisons.
Reports connect back to the transactions and categories behind the totals whenever practical.
Manual by design
Manual entry. Clear control.
You decide what enters the system, how it is categorized, and when the numbers are reconciled. There are no delayed bank connections deciding what a transaction means.
- Direct control and clear categories
- No waiting for bank imports
- Easier correction of mistakes
- Intentional awareness of spending
- No duplicate entry within Money Ledger
This deliberate approach will not be right for every person.
Private and persistent
Your financial data should stay private.
Money Ledger is designed for private user accounts, data saved across sessions, separation between user records, authenticated access, and confirmation before destructive actions.
- No public financial display
- Preview data can be cleared
- Records are separated by signed-in user
Safe onboarding
Start with preview data. Switch when you are ready.
Explore transactions, categories, bills, and assignments using clearly labeled preview data. When you are ready, a confirmed action clears it before any real numbers are entered.
- 01Explore and edit preview data
- 02Clear it with a confirmed action
- 03Add accounts and starting balances
- 04Choose a starting month and tax percentage
- 05Edit categories and add upcoming bills
- 06Begin with real numbers
Who Money Ledger is for
For people who want clarity without giving up control.
Money Ledger may fit people moving beyond a spreadsheet, managing irregular income, protecting tax money, planning around bills, or preferring manual control to bank imports. It is not presented as the right system for every financial situation.
- A clearer spreadsheet alternative
- Manual control over imports
- Irregular or self-employment income
- Protected money for taxes
- Planning for upcoming bills
- A true safe-to-use amount
- Budgeting without accounting complexity
Money Ledger by Kernvale
Know what you have. Give it a job. Stay ahead.
Money Ledger brings accounts, assignments, spending, taxes, and upcoming bills together so you can see what your money needs to do next.
Request Private Access
Money Ledger is currently available as a Private Beta from Kernvale Software.
Simple tools. Real problems. Clear results.