Private financial planning for iPhone and iPad
Choral Ledger
Understand your money, explore your options, and plan your next step—without handing over your complete financial life.
One clear view of your financial life
Choral Ledger brings budgeting, cash flow, investing, goals, debt, retirement planning, tax-aware reviews, and guided financial education into one approachable workspace.
Know where you stand
Track net worth, income, spending, bills, safe-to-spend estimates, emergency reserves, account balances, and goal progress.
Plan with context
Explore retirement projections, debt payoff, investment allocation, target drift, fees, risk, taxes, and scenario-based tradeoffs.
Take a practical next step
Use structured explanations, local AI assistance, focused coaching modes, checklists, decision reviews, and advisor-ready exports.
Built for everyday planning
- Today: net worth, monthly activity, financial health, upcoming bills, and suggested next actions.
- Budget: monthly plans, category progress, expenses, income, investments, bills, and safe-to-spend calculations.
- Invest: holdings, allocation, gains, income, annual fees, risk profile, target drift, watchlists, and tax-aware reviews.
- Goals and retirement: contributions, readiness ranges, projections, assumptions, and what-if scenarios.
- AI assistant: structured findings, actions, risks, assumptions, sources, and follow-up prompts using local financial context.
- Premium tools: advanced research, portfolio building, stress scenarios, rebalance reviews, monthly reports, decision journals, advisor exports, document review, focused coaching, and a private vault.
Your data stays under your control
- No required Choral Ledger account.
- No required bank, brokerage, payroll, or tax-service login.
- Core financial records and AI context are designed to stay on your device.
- Local snapshots, backup files, and Private Vault content use authenticated encryption.
- You can review and forget local coaching memory.
- Exports occur only when you choose to create and share them.
Transparent about connections
Optional SEC filing and registered-fund searches send the search term or symbol you request to the SEC. Fund names come from the bundled catalog or manual entry. Market prices and historical prices must be supplied by the user. Apple processes purchases through StoreKit. The free version may use Google advertising and consent services. These functions are separate from your locally stored financial dataset.
Designed for understanding—not financial advice
Choral Ledger provides educational tools, planning estimates, and organizational support. Outputs may be incomplete or inaccurate and are not financial, investment, tax, legal, or accounting advice. Important decisions should be reviewed with qualified professionals.