FinKernel

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/