THE YIELD
Ledger
Desktop App · Windows

Bring in your whole harvest.

One ledger for accounts, bills, budgets, investments, and credit — kept private on your own machine, never in someone else's cloud.

Version 1.064-bit · Windows 10/11
Install size
~90 MB
License
Personal use
Data storage
Local, encrypted
Cloud required
No

Nothing leaves your computer. The Yield has no servers, no accounts, and no analytics — your ledger lives in one encrypted file, on one machine, under your name.

What's inside
A dashboard that actually tells you something
Net worth trend, true unallocated funds, top budget burners, and a financial health score — at a glance, every time you open it.
Bills, budgets, and recurring spend
Recurring charges get detected automatically. Budgets track in real time with rollover and over-budget warnings before they sting.
Investments, tracked without the noise
Portfolio value over time, cost basis, gain/loss by account — for every retirement, brokerage, and joint account you hold.
Credit score history, by person
Track every household member's score over time, see what's driving it, and catch problems before they become expensive.
The Silo — a private password vault
Bank, brokerage, and bill logins stored behind their own encrypted layer, separate from the rest of your ledger.
Encrypted at rest, always
Your ledger is encrypted on disk and only decrypted while the app is open — closed, it's unreadable without your login.
What it is

The private, all-in-one ledger.

The Yield Ledger is a private, offline-first finance app that helps you manage every part of your financial life — accounts, budgets, bills, investments, and credit — all in one secure desktop application.

It gives you a clear, real-time overview of your net worth, spending patterns, and financial health without relying on the cloud or sharing your data with anyone. Everything is encrypted, stored locally, and built to keep your money, your plan, and your privacy exactly where they belong: with you.

100% Private
Offline First
Local & Encrypted
No Sign-up
The Yield Dashboard
Everything included

Six pages. One complete picture.

Accounts
Track all your checking, savings, and loan balances in one place.
Goals & Budgets
Set spending limits and savings goals and watch them track in real time.
Bills & Recurring
Never miss a payment. Recurring charges detected automatically.
Investments
Monitor portfolio performance, cost basis, and growth over time.
Credit Monitor
Track scores and spot issues early across every person in your household.
The Silo
Your private vault for bank and brokerage logins. Peace of mind included.
Who it's for

Built for anyone who wants clarity, control, and complete privacy.

You don't need to be wealthy or a spreadsheet wizard. You just need one place that shows you where your money actually is — without handing that information to a tech company.

  • Households tracking shared finances
  • Freelancers managing irregular income
  • Anyone who doesn't trust their data to the cloud
  • Families budgeting toward real goals
  • Small business owners keeping personal and business money separate
The Yield in use
Trust & security

Your financial life. Your rules. Your privacy.

100% Local
Your data never leaves your device. No sync. No cloud. No exceptions.
Encrypted at Rest
Fernet AES-128 encryption keeps your ledger locked on disk when the app is closed.
No Cloud. No Accounts.
No servers, no sign-ups, no tracking, no subscription. Download and own it.
Open & Transparent
VirusTotal-verified clean. 62 of 64 engines report no threats. Zero network activity during scan.
"Your financial life. Your rules. Your privacy."
Ready?

Take control of your finances.

Download The Yield Ledger and start managing your money — your way. No accounts, no cloud, no nonsense.

Windows 10/11
~90 MB
No installation required
100% Private