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LocalLedger

Your finances, your machine, your data. A local-first spending tracker that runs entirely on your own computer. No cloud. No accounts. No telemetry. Your transaction data never leaves your machine.

LocalLedger connects to bank accounts across Europe via the GoCardless Bank Account Data API to pull transactions, then stores and processes everything locally in a SQLite database on your filesystem. GoCardless supports 2,500+ banks in 31 countries. There is no backend server, no third-party analytics, and no data shared with anyone. The GoCardless API is used solely as a read-only bridge to fetch your bank data -- nothing is sent back.

Why Local-First?

Most budgeting apps require you to hand over your financial data to a company's servers. LocalLedger takes a different approach:

  • All data stays on disk -- Transactions are stored in a local SQLite file. No cloud database, no sync service.
  • No accounts or auth -- There's no login, no user system. It's your machine, so it's your app.
  • No telemetry or tracking -- Zero analytics, zero phone-home behaviour. Nothing runs unless you run it.
  • Fully offline after sync -- Once transactions are pulled from your bank, everything works without an internet connection.
  • Open source -- Inspect every line. Verify that your data goes nowhere.

Features

  • Bank connections -- Link European bank accounts via GoCardless with QR code auth flow
  • Transaction sync -- Pull and deduplicate transactions from connected accounts
  • Categorization -- Manual and rule-based auto-categorization of transactions
  • Spending analysis -- Daily, weekly, and monthly spending charts
  • Category management -- CRUD categories with pattern-matching auto-rules

Tech Stack

  • Next.js 16 (App Router, Turbopack)
  • SQLite via Drizzle ORM
  • Tailwind CSS v4
  • Recharts
  • TypeScript

Prerequisites

  • Node.js 24+
  • GoCardless Bank Account Data API credentials (sign up here)

Setup

  1. Install dependencies:
npm install
  1. Create a .env.local file:
GOCARDLESS_SECRET_ID=your_secret_id
GOCARDLESS_SECRET_KEY=your_secret_key
  1. Push the database schema:
npm run db:push
  1. Seed default categories:
npm run db:seed
  1. Start the dev server:
npm run dev

Open http://localhost:3000.

Scripts

Command Description
npm run dev Start dev server (Turbopack)
npm run build Production build
npm run lint Run ESLint
npm run db:push Push schema changes to SQLite
npm run db:generate Generate Drizzle migrations
npm run db:seed Seed default categories and rules
npm run db:studio Open Drizzle Studio GUI

Environment Variables

Variable Required Default
GOCARDLESS_SECRET_ID Yes --
GOCARDLESS_SECRET_KEY Yes --
NEXT_PUBLIC_APP_URL No http://localhost:3000
DB_FILE_NAME No file:local.db

License

MIT