dLedger
dLedger is an open-source personal finance application built on double-entry bookkeeping, with tools for budgeting, crypto tracking, and tax reporting.
What dLedger is
dLedger is an open-source personal finance application built on double-entry bookkeeping, with tools for budgeting, crypto tracking, and tax reporting. It turns journal data into balance sheets, income statements, and portfolio summaries. Users can import CSV, OFX, PDF, and Ledger files, or connect banks, exchanges, and blockchain explorers; the site advertises support for more than 60 services. Imported transactions receive automatic categories, with suggestions that adapt to manual entries. Crypto tools track DeFi positions, staking rewards, and transactions across multiple chains. Tax features calculate capital gains using FIFO and can produce French forms 2086, 2042-C, and 3916-bis. dLedger says financial data stays on the user’s device, with no cloud accounts, sharing, or tracking; its browser-based categorization also runs locally. It is labeled Beta, and Pro is free during Beta. The core is free under the MIT license. Pro is listed at $12 a month and adds historical prices, tax reports, net-worth tracking, large transaction volumes, and encrypted sync and backup. It runs on Linux, macOS, web, and Windows.
Good
- Free, open-source core under the MIT license
- Imports CSV, OFX, PDF, and Ledger files
- Tracks DeFi positions and crypto across multiple chains
- Categorizes imports automatically and learns from manual entries
- Runs on Linux, macOS, web, and Windows
Watch out
- Labeled Beta
- Bill tracking is not available
- Pro's $12 a month price applies outside Beta
Who it suits
dLedger suits people who want personal finance and crypto records organized through double-entry bookkeeping, particularly those needing reports or French tax forms. It also fits users who prefer local data handling and a free core application.
Verdict
dLedger combines conventional personal finance records with multi-chain crypto tracking and tax reporting. Its free core and local-data approach may suit users comfortable with double-entry bookkeeping; Pro features are free during Beta.
Plans and prices
From dLedger's own pricing page, checked 12 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Pro | $12 a month | Historical prices · Tax reports · Net worth tracking · Large transaction volumes · End-to-end encrypted sync and backup · Free during Beta |
| Free | — | Double-entry bookkeeping · Multi-currency and crypto · Reports · CSV, OFX, PDF, Ledger imports · Bank and exchange connections · DeFi and blockchain tracking |
The facts
Each one read from dLedger's own pages, with the date it was checked.
What it does
- Account sync
- bothchecked 22 Sep 2026
- AI
- Browser-based machine learning categorizes transactions locally, and the site says no data leaves the device for this feature.checked 12 Oct 2026
- Beta
- The site labels dLedger Beta and says the Pro tier is free during Beta.checked 12 Oct 2026
- Bill tracking
- Nochecked 22 Sep 2026
- Budgeting tools
- Yeschecked 22 Sep 2026
- Categorization
- Transactions are automatically categorized during import, with suggestions that learn from manual entries.checked 12 Oct 2026
- Crypto
- It tracks DeFi positions, staking rewards, and crypto transactions across multiple chains.checked 12 Oct 2026
- Imports
- It imports CSV, OFX, PDF, and Ledger files, and connects to banks, exchanges, and blockchain explorers.checked 12 Oct 2026
- Integrations
- The site advertises support for more than 60 services, including banks, exchanges, and blockchain explorers.checked 12 Oct 2026
- License
- The core application is free and open source under the MIT license.checked 12 Oct 2026
- Net-worth tracking
- Yeschecked 22 Sep 2026
- Privacy
- The site says financial data stays on the user's machine, with no cloud accounts, data sharing, or tracking.checked 12 Oct 2026
- Product
- dLedger is an open-source personal finance application built around double-entry bookkeeping, crypto tracking, and tax reports.checked 12 Oct 2026
- Report export
- Yeschecked 22 Sep 2026
- Reports
- It provides balance sheets, income statements, and portfolio summaries from journal data.checked 12 Oct 2026
- Support
- Users can start a discussion on GitHub to ask questions or report issues, suggest features, and submit pull requests.checked 12 Oct 2026
- Tax reporting
- It computes capital gains using FIFO and can generate French forms 2086, 2042-C, and 3916-bis.checked 12 Oct 2026
Money
- Free plan
- Yeschecked 22 Sep 2026
Where it runs
- Platforms
- The site identifies the current product as a web app and describes desktop and mobile as coming soon.checked 12 Oct 2026
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