Where your money sits.
What it's for.
ibLedger is a personal ledger where every transaction picks a wallet (where the money sits) and a fund (what it's for). One ledger, two answers.
An example transaction
Aug 23, 2026 · Checking · Groceries
($42.18)
Market run
Aug 23, 2026 · Cash · Coffee
($4.50)
Quick stop
The wallet says where the money sits. The fund says what it's for.
The three building blocks
Wallets
Checking, cash, cards. Where the money sits.
Funds
Rent, food, travel. What the money is for.
Transactions
Every line picks one of each. Both views stay balanced.
What the ledger does for you
Paychecks split themselves
Set each fund's share once. Every paycheck allocates itself, with no monthly re-budgeting.
Cleared and pending, side by side
Always see what you can really spend, not just what's about to clear.
Overspending stays visible
Funds floor at $0 and show an overspent badge, with Savings covering the gap.