Show HN: Pocketwise – a privacy-first, double-entry finance tracker (opens in new tab)

Working on pocketwise. Yet another personal finance tracker :)

Privacy update since my last post: all user data is encrypted on the server. Only the user can see their data in plain text. Even someone with direct server access cannot read it. This came directly from feedback on my previous post, financial data is deeply personal, and putting minutia of ones personal finance on a remote server feel off.

I started with double-entry accounting using hledger. It was always a great financial realization for me, but I would stop using it after a couple of weeks. So I started writing a web interface for my ledger file, with the intent to make it simple enough that I actually stick with it. Over time, this became Pocketwise.

Pocketwise does not need any bank credentials. Instead, you do the data entry yourself.

To make this easier, you can type (or say) natural-language descriptions of your expenses like “Chipotle $15 cash” or “Netflix 19.89 Apple Card”, and it stores them as proper double-entry records like:

  2025-11-11 Chipotle
    Expenses:Food & Dining                    $15.00
    Assets:Cash                               $-15.00

  2025-11-11 Netflix
    Expenses:Subscriptions                    $19.89
    Liabilities:Credit Card:Apple Card        $-19.89

There’s a 7-day free trial. If you try it, I’d love to hear your feedback.

Thanks for reading