NexusLedger

What it is

NexusLedger is a personal command-line application that aggregates a single individual's financial transactions across their connected bank accounts, credit cards, and loan providers. It produces a monthly review document showing spending by category, recurring subscriptions, debt payoff progress, and credit-utilization metrics — designed to help one person stay on top of their own household finances.

It is not a multi-tenant product, has no users beyond its owner, and is not commercially distributed.

How it works

The application uses Plaid's transactions and balances APIs to fetch financial data from connected institutions on demand. Pulled data is stored locally on the user's own machine in a SQLite database with restricted file permissions. A categorization rules engine assigns each transaction a category based on user-defined patterns. Monthly reports are generated as Markdown documents and Excel spreadsheets, both retained on the user's local filesystem.

No data is transmitted to any third party other than the original financial institutions via Plaid. There is no remote server, no analytics, no telemetry, and no shared infrastructure.

Data use & privacy

• All financial data remains on the user's local computer.
• Plaid access tokens are stored in restricted-permission files outside the application's source tree and are never transmitted to any party other than Plaid.
• The application has no remote backend and does not expose any HTTP endpoints other than a temporary local-only loopback callback during the initial Plaid Link onboarding flow.
• No analytics, advertising, or third-party tracking is performed at any point.
• The application is operated by and for a single individual; there is no second user account, no shared access, and no data export or sharing functionality beyond the user's own local files.

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