Money. Health. Time.
One ledger.
Everything you have is a balance. Ledger of Life keeps all three — your net worth to the dollar, your sleep to the night, your life to the second — in one encrypted book that belongs to your household alone.
Invite-only. Every household is onboarded personally, so seats open in small cohorts. Beta households are onboarding now.
The rigor of corporate finance, sized for a household.
Consumer money apps promise simplicity. Ledger of Life promises rigor — the discipline of corporate financial planning, pointed at your own life. Net worth across every account. A real cash-flow P&L with budget vs. actual vs. forecast. Taxes measured from gross pay, not what's left. Public and private markets, side by side.
Every account, one book
Banks, brokerages, retirement, real estate, private holdings, insurance — one net-worth line you can trust, with history back as far as your records go.
A P&L for your life
Budget vs. actual vs. forecast with drill-down to the transaction. Variance you can act on — not a pie chart of where the money already went.
Gross pay, captured
Effective and lifetime tax rates from your real gross income — the number most apps never see — plus a planning grid for the strategies that lower it.
Public and private markets
Brokerage positions with options and treasuries handled properly, next to your private deals — entities, capital calls, distributions, real net return.
Keep the sheet. Lose the manual work.
Built by a spreadsheet person, for spreadsheet people. Import your workbook history, export anything, and sync both ways — the app respects the sheet instead of replacing it.
The ledger your money exists for.
Wealth is a means. Ledger of Life gives your health the same book-keeping your money gets: import years of Apple Health history, watch your sleep against your own 90-day baseline, and see the one line every other ledger depends on. Your health ledger is yours alone — a separate encrypted book per person, invisible even to your household.
Sleep takes roughly a third of your time — the tax you pay for being human. It's also the biggest lever in the longevity equation. The ledger makes both visible.
You were born a time billionaire.
An eighty-year life is about 2.5 billion seconds — a fortune everyone receives and no one keeps. You can't save it, you can't earn more of it; you can only decide how it's spent. The Time ledger is where you watch the balance, and where you keep what the spending bought: your memories, moments, and milestones.
I ran my family's money on a 76-sheet workbook for a decade. Then I built the tool I couldn't buy.
Structurally private — not "bank-level" adjectives.
Every competitor says "bank-level security." Here is what we actually do, specifically:
Your own encrypted database
Your household's ledger is its own encrypted database file — not rows in a shared warehouse. Health and Time are separate encrypted books per person.
Customer-funded, full stop
No ads, no data sales, no venture investors who need your data to be the product. You pay for software; that's the whole business model.
Encrypted off-site backups
Nightly encrypted backups to independent storage, with restore drills actually performed — not just promised.
Plain-language privacy policy
Read exactly what we keep and why at our privacy page. No 40-page terms maze.
Why invite-only
Every household is onboarded personally by the founder — your accounts mapped, your history imported, your numbers tied out together. That's why seats open in small cohorts instead of a signup button.
Request an invite
Leave your email below. When a seat opens in the next cohort, you'll hear from Dom directly — a real email from a real person.
Onboard together
Bring your exports — CSV, Excel, even the workbook you've kept for years. We import your history and tie out your net worth, together, in a session.
Your ledger opens
Money first. Health and Time are there when you're ready — each a private book of its own, off until you turn them on.
Questions, answered plainly
What does it cost?
Do I have to connect my bank accounts?
I already have a spreadsheet system. Why switch?
What are the Health and Time ledgers?
Who is behind this?
Open your ledger.
A private book for everything you have. Seats open in small cohorts — beta households are onboarding now.