What Twin Ledger Does
Designed for Families. Engineered for Privacy.
Twin Ledger is a fully end-to-end encrypted platform for managing your household’s financial life— and more. It brings together banking, budgeting, debt tracking, document storage, and shared planning in one secure, private space.
Everything is built with families in mind. That means two-person visibility by default, tools designed for shared ownership, and a privacy model that ensures your data stays between you and your spouse.
Unified Household Ledger
Link your accounts and view transactions, assets, and debts in one place. Stay organized across categories with a customizable chart of accounts, and track shared vs. individual finances without friction.
End-to-End Encryption
Everything in Twin Ledger is encrypted on your device before it ever leaves your hands. That means your financial data, documents, and notes can only be seen by you and your spouse—not by us, not by advertisers, not by anyone else.
Works Wherever You Are
Whether you're budgeting at your desk or reviewing a travel itinerary from your phone, Twin Ledger is ready when you are. Use it on any major device, with seamless syncing and full end-to-end encryption across platforms:
- Web: Accessible from any modern browser
- Android: Mobile app for phones and tablets
- iOS: iPhone and iPad support
Smart Budgeting & Planning
Build monthly budgets, track real-time progress, and create custom budgets for travel, household projects, or anything else life throws at you. For long-term planning, Twin Ledger uses Monte Carlo simulations to help you model future outcomes based on savings goals, debt reduction, and spending habits—without overwhelming you with charts.
Notes, Ratings & Shared Context
Add context to purchases, flag transactions, and start conversations. Mark special items as gifts, trip expenses, or projects—and start building real context around your household’s finances.
Reports & Visualizations
Generate real-time financial statements and reports—balance sheets, P&L, and cash flow views. Track trends in net worth, spending, and income across time.
Travel Itinerary Planning & Budgeting
Plan trips, track travel budgets, and securely share itineraries with family members. Paid users can tag expenses to specific trips and track costs against individual events. It’s like TripIt—except encrypted and family-focused.
Home & Life Management
Schedule preventative maintenance, store warranty info, track insurance coverage, and manage identity documents. Think of it as a household OS—built with simplicity and privacy in mind.
Multi-Entity Wealth Management
For families with trusts, real estate holdings, or side businesses—Twin Ledger will support multiple financial entities with consolidated reporting and flexible role-based permissions.
Real Accounting Engine
Beneath the clean interface is a true double-entry accounting system—built to support accurate, auditable records for every transaction. Generate trial balances, balance sheets, and cash flow reports at any time. It’s more than a budgeting tool—it’s a real general ledger system.
Pricing Tiers
Twin Ledger is currently in beta, with pricing tiers rolling out later in 2025.
- Twin Ledger Travel – Free access to travel itinerary features for invited users and their fellow travelers
- Twin Ledger Family – Full-featured household finance platform
- Twin Ledger Home – Adds home management tools, insurance tracking, identity docs, and more
- Twin Ledger Wealth – Includes multi-entity support for trusts, LLCs, real estate, and advisors
Twin Ledger is currently in limited beta with invited test families. If you'd like to learn more or join the waitlist, contact us.