Family Ledger

Family Ledger is a self-hosted application for tracking household finances across multiple accounts and platforms. Users take monthly snapshots of assets held in banks, brokerages, payment apps, and real estate, consolidating them into a single dashboard. The tool calculates true annualized returns using XIRR and TWR methods, distinguishes between earned income and investment gains, and provides transparency into holdings across industries.

The platform includes AI-powered portfolio analysis that identifies risk exposures and suggests rebalancing actions without recommending specific products or predicting market movements. It features AI screenshot recognition to extract individual holdings from account statements, multi-dimensional asset tagging, and inflation-adjusted net worth tracking. Data remains on the user's own server. According to the repository, it was built with Spring Boot and Java 21.