Owner
Runs the household.
- Assign roles and member permissions
- Approve join requests and invitations
- See the audit history
Run the household money, minus the tension.
One shared ledger for families, couples and flatmates. Record who paid for what, save toward the same goals, and lend inside the family on the record, with roles that decide who sees what.
- Early access
- Founding offer: first 100 verified
- No spam, one email
1 of 100 founding places claimed· 99 left
See how it works Your data is never sold
Miller household · October
$2,220.00
left after this month's spending
Income$6,400
Expenses$4,180
New expense
Weekly groceries
$186.40
receipt.jpg · paid by Sara
GroceriesDebit card
Receipts · up to 3
Everyone sees who paid, with the receipt attached.
81%
Shared goal
Summer in Lisbon
$3,650 of $4,500
On pace for June
Family loan
Sam → Dad
$120
- Proposed
- Accepted
- Repayment logged
- 4Confirmed
Sam logged the repayment. Dad confirms to close it.
- Built for
- Families
- Couples
- Flatmates
- Co-living houses
- Multi-generational homes
The household reality
Your money lives in five places. None of them agree.
Most finance apps assume one person and one account. Home is different: shared bills, borrowed twenties, and receipts nobody can find.
Group chat
“who paid for the gas??”
Budget_FINAL_v3.xlsx
last edited by nobody
IMG_4471.jpg
a receipt, probably
Napkin IOU
“Dad owes Sam $40”
Three bank apps
zero shared views
One shared ledger
Everyone on the same page, finally.
Expenses, goals, loans and history, in one place.
Why it happens
Money gets scattered by default.
Nobody sets out to run a household on screenshots and memory. Bank accounts belong to people, not households, so shared money slips between them. Here is one ordinary month.
1st
Rent goes out from one person's account.
The others mean to send their share. Nobody writes it down.
9th
Groceries, on whichever card was closest.
The receipt stays in a camera roll. The amount stays in someone's head.
16th
A sibling borrows $40, by text.
“I'll pay you back” is typed, then buried under four hundred messages.
23rd
The electricity bill gets split in the group chat.
Three people remember three different splits.
30th
“Wait, who paid for that?”
Everyone is sure. Nobody agrees.
Every month ends the same way: a question nobody can answer from memory, and a household unsure where its money stands.
How HomiLedger brings it together
Five places, one shared ledger.
HomiLedger doesn't replace your bank. It gives the household one place where shared money is recorded, attributed and visible to the right people.
The same month, in one ledger
Each entry has a payer and a receipt. Each loan has two sign-offs.
On the 30th the answer to “who paid for that?” is already written down, where every member can see it.
Group chat
Expenses recorded once, with who paid
Log it with a payer, a category and the receipt. No scrolling back through messages.
Budget_FINAL_v3.xlsx
One shared household view
Income and expenses roll up into one dashboard that every member sees at the same time.
IMG_4471.jpg
Receipts attached to the expense
The photo lives with the purchase it proves, so nothing gets lost in a camera roll.
Napkin IOU
Loans with two sign-offs
The borrower logs the repayment and the lender confirms it. Both see the same history.
Three bank apps
One household view, privacy intact
Roles decide who sees what, and only what you record is shared. HomiLedger never connects to your accounts.
The product
One ledger. Four everyday moments.
01Household vault
One command centre for shared money.
Replace the patchwork of separate accounts and spreadsheets with one household view of what comes in and what goes out, updated as you record it.
- Income and expenses in one place
- Everyone sees the same numbers
Miller household · October
$2,220.00
left after this month's spending
Income$6,400Expenses$4,18002Expenses & income
Every expense, with a name on it.
Log it with a receipt and a payer. Everyone can see who paid for what, so nobody has to audit the month in their head.
- Receipt photos and payer attribution
- Categories and notes
New expense
Weekly groceries
$186.40
receipt.jpg · paid by Sara
GroceriesDebit cardReceipts · up to 3
Everyone sees who paid, with the receipt attached.
03Savings goals
Save toward the same thing.
Fund a goal together and watch it fill as everyone contributes. Keep it shared, or keep it private to the people taking part.
- Shared or private goals
- Contributions from every member
81%Shared goal
Summer in Lisbon
$3,650 of $4,500
On pace for June
04Family loans
Lend inside the family, on the record.
Borrower logs the repayment, lender confirms it. Two sign-offs close the loop and keep it dignified.
- Two-party confirmation
- Clear terms, clear history
Family loan
Sam → Dad
$120
- Proposed
- Accepted
- Repayment logged
- 4Confirmed
Sam logged the repayment. Dad confirms to close it.
Roles and receipts
Everyone in. Not everyone everywhere.
Every member has a role that decides what they can see and change, private goals stay with the people in them, and every change leaves a trace.
Administrator
Helps govern day to day.
- Approve join requests and invite members
- Adjust member permissions
- See the audit history
Member
Takes part in the ledger.
- Add and view expenses and income
- Contribute to shared goals
- Agree loans with another member
Viewer
Sees, but cannot change.
- Read shared records
- Cannot add expenses or income
- Visibility you control
Household activityVerified
- 09:12Sara added “Weekly groceries”$186.40
- 09:13Sara attached the receipt
- 18:40Sam logged a repayment to Dad$120.00
- 19:02Dad confirmed receipt, loan closed✓
- SunAlex proposed a loan, awaiting Sam$60.00
Plans and pricing
Premium plans, announced before launch.
HomiLedger is a paid product. We're finalising plans for households of every size, and waitlist members will see them first.
Join the waitlist
Your email is all we ask for.
Confirm your email
Confirmed members hold a place.
Early access
Invitations as spots open.
Pricing announced
Waitlist members see it first.
Founding Members
First 100 verified members: 50% off your first year.
- Places go to the earliest confirmed emails, so confirming is what counts.
- One offer per person, applied when plans launch.
- Full terms are published before launch.
1 of 100 founding places claimed· 99 left
No payment details needed to join.
HomiLedger plans
Everything your household needs.
- Shared household ledger for expenses and income
- Receipt photos and payer attribution
- Shared and private savings goals
- Family loans with two-party confirmation
- Roles and permissions for every member
- PDF and CSV reports
- Household audit history
- Push-to-talk voice assistant (planned before launch)
- Household insights (planned)
Pricing: announced before launch. How pricing works
Clear answers
Questions families actually ask.
Privacy, permissions and how money moves between people you love.
Who in my household can see what?
Every member has a role (owner, administrator, member or viewer) that decides what they can see and change. HomiLedger does not connect to your bank accounts, so only what you record in the household is shared. Private savings goals are visible only to the people taking part in them.
How does the two-party loan confirmation work?
One member proposes a loan and the other accepts it, so both sides agree on the terms. When a borrower repays by cash, bank transfer or another method, they log the repayment, and it stays pending until the lender confirms it. Both people see the same history.
Will HomiLedger be free?
HomiLedger will be a paid product. We haven't announced plans or pricing yet, and waitlist members will see them before launch. Joining the waitlist is free and needs only your email.
What is the Founding Member offer?
The first 100 people to confirm their email address get 50% off their first year at launch. Places go to the earliest confirmations, unconfirmed sign-ups don't hold a place, and it's one offer per person. The full terms will be published before launch.
Why we're building it
It started with a notebook.
At home in Karachi, one person kept the family's money in a notebook, writing every entry by hand. We thought the whole household should be able to do it together.
Read our storyGive your household the calm it deserves.
Join with your email. That's it. We'll be in touch when your spot opens.
1 of 100 founding places claimed· 99 left
- Early access
- Founding offer: first 100 verified
- One email when your spot opens. No spam