Granny May's LedgerSign inThis month's cashflow
On track+£0.00
The old-fashioned way, digitized
Keep your own ledger.
A budget tracker and goal planner for people who'd rather enter their own numbers than link their bank account to a stranger's server.
Start tracking — freeNo bank connections
Your account details never leave your bank.
No AI
Every number is arithmetic you could check by hand.
No data sold
Nothing here is shared, rented, or sold to anyone.
See it work
Where did my money go this month?
Every transaction, sorted into categories the moment you log it — no waiting for a monthly statement to find out.
This month
✓ Food spending down 12% this month
Savings goal
How much do I need to save each month?
Set a target and a date, and the required monthly contribution — plus whether you're on track — updates every time you log one.
What happens if I invest €300 a month?
A live projection — nominal and inflation-adjusted — you can play with yourself once you're in. This is the actual maths, not a marketing estimate.
€300/month, 5 years
€21,724
projected value
Avalanche strategy
24 months
to debt-free — saving £612 in interest
What's the fastest way to clear this debt?
Avalanche or snowball, compared side by side, with the real interest saved — not just a payoff date.
Granny May says
“Pay yourself first, and let everyone else queue.”
Try it yourself
What could your savings become?
Projected value
£21,478
You'll have contributed
£18,000
Assumes a 7% annual return, compounded monthly. For illustration only — the real calculator in the app lets you adjust the return rate, inflation, and fees.
Drag to compare
Without a system, versus with one
Without a system
Bank balance: ???
No savings put aside
Forgot about three subscriptions
A bill paid late, again
With Granny May's Ledger
Cashflow: +£2,235.80
Goals on track
A sinking fund covering the surprises
Debt-free in 24 months
Built by people who understand personal finance.
Granny May's Ledger comes from the team behind Money & Finance Magazine, bringing years of financial publishing experience to a budgeting app built for everyday people.
Free
Manual budget tracking, monthly category budgets, sinking funds, a financial decisions journal, and up to 2 savings goals with progress and on-track indicators.
Premium
Up to 5 goals, investment projections, debt payoff plans (snowball or avalanche), net worth tracking with a Time to Freedom projection, decision journal insights, and CSV import.