Granny May's LedgerSign inThis month's cashflow
On track+£0.00
The old-fashioned way, digitized
Keep your own ledger.
Take back control of your money. A secure, manual budget tracker for people who want to understand their finances — without handing their bank logins 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.
Granny’s Money Corner
What Would Granny Do?
You've earned £30 in cashback rewards, sitting in your account.
It's real money, just from a different source than usual.
What people actually want to know
Real questions, answered by the app
Real question
Can I actually afford this before I buy it?
Safe-to-Spend Today turns your flexible budget into one number — what's left this month, divided by the days remaining. Recalculated live, every time you log something.
See it for yourself →
Real question
I don't have time to fill out a whole form for a coffee.
Add Quick-Add to your home screen — tap an amount, tap a category, done. No login screen, no navigating the dashboard, just a few taps.
See it for yourself →
Real question
What happens to the money I don't spend?
Once a month, Granny asks where last month's leftover flexible budget should go — a sinking fund, a goal, or straight into this month. Wherever it goes, it's a real, traceable entry, never a quiet reset to zero.
See it for yourself →
Real question
Where did my money go this month?
Every expense you log gets sorted into categories automatically, so the answer is always one glance away.
See it for yourself →
Real question
How much do I need to save each month to hit a goal by a date?
Set a target amount and a date — Granny works out the required monthly contribution for you.
See it for yourself →
Real question
What happens if I invest €300 a month?
A standalone what-if calculator. Change any number and the projection updates instantly — nothing is ever committed for real.
See it for yourself →
Real question
What's the fastest way to clear this debt?
Compare avalanche vs. snowball side by side, and see exactly when you'll be debt-free.
See it for yourself →
Real question
How do I avoid getting caught out by annual bills, like car insurance or Christmas?
Set up a Sinking Fund and Granny tells you exactly how much to put away each month, so it's never a surprise.
See it for yourself →
Financial Decisions Journal
Stop impulse buying.
Use the Financial Decisions Journal to log the purchases you walked away from, and watch your “Un-spent” money grow.
Start your journal — freeChoose your ledger
Simple pricing, honestly laid out
Page One
Free
£0 / forever
- Manual budget tracking
- Monthly category budgets
- Sinking funds
- Financial decisions journal
- Up to 2 savings goals
Page Two
Premium
$49 / once, for life
- Everything in Free
- Up to 5 goals + investment projections
- Debt payoff plans (snowball or avalanche)
- Net worth tracking + Time to Freedom
- Decision journal insights + CSV import
No subscriptions. No bank connections. No AI reading your numbers.