FinKernel

Private Standard Ledger

Only for iPhone

Free · Designed for iPhone. Not verified for macOS.

iPhone

A private standard ledger for transactions, accounts, net worth, and cash-flow planning across the FinKernel Ecosystem. FinKernel is a private standard ledger for people who want more than a simple expense log. Track daily transactions, cash-flow timing, account roles, assets, liabilities, and net worth from one local-first data engine. FinKernel is built for the real financial questions behind FIRE planning, gap years, and layoff preparation. Key features: • Fast transaction entry with essential and passive-income flags • Ledger, cash-flow, and double-entry accounting modes • Accounts for cash, checking, savings, brokerage, retirement, HSA, credit, and loan workflows • Assets, liabilities, net worth, debt ratio, and passive-income summaries • 12-month cash-flow forecast for income, spending, debt payments, and known future bills • Local-first storage designed around SQLite and device-controlled data • Ecosystem-ready profile outputs for companion planning apps FinKernel is designed for privacy. Your financial data starts on your device, and the shared ledger model is built to support local backups and controlled cross-app imports. This app is for personal planning and bookkeeping only. It is not financial, tax, investment, or legal advice. Privacy Policy: http://mindkey.xyz/index.php/zensee-studio/privacy-policy/ Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

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The developer, 碧珍 刘, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Not Collected

    The developer does not collect any data from this app.

    Privacy practices may vary, for example, based on the features you use or your age. Learn More

    Accessibility

    The developer has not yet indicated which accessibility features this app supports. Learn More

    Information

    Seller
    • 碧珍 刘
    Size
    • 11.9 MB
    Category
    • Finance
    Compatibility
    Requires iOS 15.1 or later.
    • iPhone
      Requires iOS 15.1 or later.
    • iPod touch
      Requires iOS 15.1 or later.
    • Mac
      Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
    • Apple Vision
      Requires visionOS 1.0 or later.
    Languages
    • English
    Age Rating
    4+
    Copyright
    • © 2010-2026 Zensee Studio Inc.
  • Developer Website
  • Privacy Policy

    • More by 碧珍 刘