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Connected Home Ledger is a personal finance dashboard built for homeowners and households. You manually enter your account balances, bills, income sources, and investment holdings — the app gives you a clear picture of your net worth, upcoming obligations, and cash flow, all without connecting to your bank.

No. Connected Home Ledger does not link to your bank. You enter balances manually, which means your login credentials never leave your hands. You keep full control of your data.

After signing in with Google, a four-step onboarding wizard walks you through: (1) naming your household, (2) adding your first accounts, (3) adding income sources, and (4) adding recurring bills. Once complete, your dashboard is ready.

Have your current account balances handy — checking, savings, credit cards, mortgage balance, etc. You don't need exact figures; approximate balances work fine to start. You can always update them later.

Assets: Checking, savings, cash, money market, CDs, brokerage accounts, 401(k), IRA, HSA, crypto wallets, real estate, vehicles, jewelry, collectibles, and other physical assets.

Liabilities: Credit cards, lines of credit, HELOC, mortgage, auto loan, student loan, personal loan, medical debt, and other loans.

Open the Accounts page, find the account, and click the pencil (edit) icon. Update the balance and save. For investment accounts, you can also use the live price refresh on the Investments page to update values automatically.

Assets are things you own with positive value (bank accounts, investments, property). Liabilities are debts you owe (mortgage, credit card balances, loans). Your net worth is total assets minus total liabilities.

Physical assets (real estate, vehicles, etc.) use an estimated value rather than a live balance. You set the value when you add the account and update it manually whenever you want to reflect a new estimate. The date of the last update is tracked so you know how current it is.

Go to Bills and click Add Bill. Enter the bill name, category, amount, frequency (weekly, monthly, annually, etc.), and due date. Optionally link it to a funding account (where the money comes from) and a liability account (if it pays down a debt like a mortgage).

On the Bills page, click the green checkmark button on any bill. A payment modal appears with the amount pre-filled. Confirm the amount and date, then click Record Payment. This logs the payment, updates the linked account balances, and advances the bill's next due date automatically.

A variable bill is one where the amount changes each cycle — utilities, phone bills, credit card minimums, etc. Enable the "Variable amount bill" toggle when adding or editing a bill. You'll enter the actual amount each time you record a payment. A budget amount can be set for forecasting purposes.

"Funded By" is the asset account the payment comes out of — typically your checking account. When you record a payment, that account's balance is reduced by the payment amount.

"Pays Down Account" links a bill to a liability (debt) account. When you record a payment, the linked liability's balance is reduced by that amount — keeping your debt balances current without manual edits. Use this for mortgages, car loans, student loans, credit cards, etc.

The next due date always steps forward from the current due date, not from when you paid. So paying a few days early or late won't throw off the schedule. Monthly bills advance one month, weekly bills advance 7 days, annual bills advance one year, and so on.

Bills are your recurring payment schedule — they tell the app what's due and when. Transactions are the actual money movements you log (or import from a bank CSV). Recording a bill payment automatically creates a transaction entry, but you can also log one-off transactions independently.

Go to the Transactions page and click Add Transaction. Select the account, enter the date, amount, type (income or expense), and a description. Transactions are for historical tracking — they don't adjust account balances automatically.

CSV import is a Premium feature. Go to Transactions → Import CSV. Select the account, upload your bank's CSV export file, and the app will auto-detect the bank format. You'll see a preview of what will be imported, with duplicates and bill payment matches flagged automatically. Review and confirm to import.

Built-in presets: Chase, Bank of America, Capital One, Wells Fargo, Citi, TD Bank, Discover, American Express, Ally Bank, Charles Schwab, U.S. Bank, and PNC. For any other bank, select Other / Custom — the app reads your CSV headers and lets you map the date, description, and amount columns manually.

The app fingerprints each row by account, date, amount, and description. If a matching transaction already exists it's flagged as a duplicate in the review step and automatically excluded from the import. You can also manually exclude or force-include any row before confirming.

Household mode (Premium) lets you invite a partner or co-owner to see a shared view of your finances. Switch into Household mode from the sidebar — the Dashboard, Accounts, Bills, and Transactions pages then show only the accounts marked "Share with household" (and any bills/transactions linked to those accounts), for both the owner and invited members.

When adding or editing an account, check "Share with household". Bills and transactions don't have their own sharing setting — a bill or transaction is automatically considered shared if it's linked to a shared account (funding account, pays-down account, or transfer account).

Go to Household in the sidebar and generate an invite link. Anyone who joins via that link becomes a household member and can switch into Household mode to see your shared accounts, bills, and transactions — but never your private Individual or Business Workspace data.

The Business Workspace (Premium) is a second, completely separate ledger for a side hustle or small business — its own accounts, bills, transactions, and business-oriented expense categories (Office Supplies, Software & Subscriptions, Travel, Meals & Entertainment, etc.). It keeps business finances cleanly separated from your personal and household data.

Go to Business Workspace in the sidebar and create your workspace with a name and optional business type. Once created, the sidebar shows it as Active, and the Dashboard, Accounts, Bills, Income, and Transactions pages switch to your business data. Click Individual in the sidebar at any time to switch back.

No — Individual, Household, and Business Workspace are three separate contexts, and only one is active at a time. Switching to one automatically switches you out of the other. The sidebar always shows which context is currently active.

No. The Business Workspace is private to the account owner — household members never see it, switch into it, or access any of its data, regardless of their role.

Go to the Income page and click Add Income Source. Enter the source name, amount, frequency (weekly, bi-weekly, semi-monthly, monthly, annually), and optionally the account it deposits into. The app calculates a normalized monthly figure across all sources for dashboard and forecasting.

The app annualizes each source then divides by 12: weekly × 52 ÷ 12, bi-weekly × 26 ÷ 12, semi-monthly × 24 ÷ 12, monthly × 12 ÷ 12, annually × 1 ÷ 12. This gives a consistent monthly total regardless of pay schedule.

Go to Investments (Pro/Premium) and click Add Holding. Enter the ticker symbol, number of shares or units, purchase price per unit, and the account it belongs to. The app will fetch the current market price to calculate the current value and gain/loss.

Prices are fetched from Yahoo Finance on demand — click the refresh icon next to any holding. Prices are not streamed in real time; you refresh manually when you want to update values.

Any ticker symbol available on Yahoo Finance: stocks, ETFs, mutual funds, and crypto. Common commodities are supported via shortcuts — type gold, silver, or platinum and the app maps them to the correct futures symbols automatically.

Cost basis = quantity × purchase price per unit. Current value = quantity × current price. Gain/loss = current value − cost basis. Return % = gain ÷ cost basis × 100. Multiple lots of the same ticker are combined on the summary view.

Free includes: up to 3 accounts, up to 10 bills, 90-day transaction history, and access to the Dashboard, Income, Bills, and Transactions pages. No credit card required.

Everything in Free plus: unlimited accounts and bills, full transaction history, Cash Flow Forecast, Investment tracking with live prices, Savings Goals, and priority email support.

Everything in Pro plus: household sharing (invite a partner or co-owner), a separate Business Workspace for a side hustle or small business, CSV transaction import, advanced analytics, early access to new features, and dedicated email support with faster response times.

Business+ is a coming soon tier built on top of Premium for growing side hustles and small businesses. Planned features include multiple Business Workspaces, business expense reports and tax export, receipt attachments, and multi-user team access. Pricing and availability are subject to change before launch.

Go to your plan badge in the sidebar (or visit Plans & Pricing from the sidebar). Select the plan you want and click the upgrade button. You'll be taken to a secure Stripe checkout page. Your new plan activates immediately after payment.

Yes. Cancel anytime from the Plans & Pricing page — click Manage Subscription to access the Stripe billing portal. Your paid plan stays active through the end of the billing period, then reverts to Free. Your data is never deleted.

Yes — annual billing saves 20%: Pro is $7/mo (billed $84/yr) and Premium is $15/mo (billed $180/yr). Toggle between monthly and annual on the pricing page to compare.

No. We never connect to your bank or request your banking credentials. All balances and transactions are entered manually or imported from CSV files you export from your bank. Your financial accounts are never accessed by the app.

Your data is stored in a private database on a secured cloud server. It is not shared with third parties, not sold, and not used for advertising. The database is backed up nightly.

No. Your data is private to your account. If you use the household sharing feature (Premium), you can explicitly invite household members — only people you invite can see shared data, and only with the permissions you assign.

Email support@connectedhomeledger.com with a deletion request. We'll permanently delete your account and all associated data within 5 business days.