Most budgeting tools ask for the same trade: connect your bank, create an account, pay every month.

That is a lot of access for a running total.

I built Ledgerline the other way. It is one HTML file. You type the numbers in, or import a CSV. There is no account, no subscription, and it never talks to your bank. The data lives in your browser, on your device.

Twelve tools sit in that file: overview, transactions, budget, bills, subscriptions, paychecks, goals, debt payoff, cash forecast, net worth, and reports.

Open the same copy, in the same browser. That is the whole setup.

It is an organising tool, not advice. Arithmetic on the figures you enter. Nothing more.