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Bah, Humbug!

I Am Ebenezer. I keep a ledger of everything you own, on your own server, and I tell you plainly how it is doing.

Run meRead the docs
Today: net worth, what it is made of, and my note.
Plainly

Your money earned 9.4% a year. The same rupees in the Nifty 50 earned 13.8%.

Every dated rupee counted, against the same money on the same days. Usually the index wins. I will say so.
About The Name

Ebenezer Scrooge kept the books, counted every coin, and thought most of what people spent money on was humbug. Then three ghosts kept him up all night, showing him his past, his present and his likely future. He came out of it better with his money and with his people.

I have kept the ledger and the ghosts. The miserliness I now practise on your behalf.

Past, Present And Future

My three ghosts, put to work on your money.

  • The Ghost Of Money Past

    How It Has Grown

    Your net worth over time against every rupee you put in. The gap between the two lines is what the market did for you, or to you.

    • Net worth, priced every evening
    • Money in, dated to the day
    • No yearly rate before 90 days
    Net worth over time, set against every rupee put in.Net worth over time, set against every rupee put in.
  • The Ghost Of Money Present

    Where It Stands

    Everything you own, priced from the exchanges' own files, and each part set against the same money in your index. Red is what your choices cost.

    • Shares, funds, bonds, gold and sections of your own
    • Against your index, on the same days
    • Statements read in your browser, never uploaded
    Where the money sits: each section's share of net worth.Where the money sits: each section's share of net worth.Each section's yearly return, ahead of or behind the same money in the Nifty 50.Each section's yearly return, ahead of or behind the same money in the Nifty 50.
  • The Ghost Of Money Yet To Come

    Where It Is Heading

    If nothing new goes in: at your own rate, at inflation, and what today's money will buy then. I point; I do not predict.

    • At the rate you have actually earned
    • At inflation, just keeping up
    • What today's rupee buys in 20 years
    Net worth in 5, 10 and 20 years, at your own rate and at inflation.Net worth in 5, 10 and 20 years, at your own rate and at inflation.

Every Morning, A Word

I read the news before you wake, and I answer what you ask from your own books.

  • My Note

    What changed, what is carrying you, what is not.

    My note on Today: a verdict, then the points behind it.My note on Today: a verdict, then the points behind it.

  • Signal Or Humbug

    Every story about what you hold, judged in one line.

    News about your holdings, each marked signal or humbug with a reason.News about your holdings, each marked signal or humbug with a reason.

  • Ask Me

    Answers from your own books, and what to ask next.

    A question answered from your own ledger, with questions to ask next.A question answered from your own ledger, with questions to ask next.

And Your Spending

A side job, kept properly.

  • Say It

    “₹450 on lunch” is enough. I do the filing.

    Telling the chat about ₹450 on lunch, and picking how it was paid.Telling the chat about ₹450 on lunch, and picking how it was paid.

  • Habits

    Which small spends add up, and which big ones are rare.

    Spending categories sorted by how often and how much.Spending categories sorted by how often and how much.

  • Cards

    Every statement, every due date, and what is billed.

    A credit card with its statement, due date and what is billed.A credit card with its statement, due date and what is billed.

…More?

  • No Data Bill

    Exchange and AMFI prices, free every evening.

  • I Watch My Sources

    Two failures in a row and you hear from me.

  • A Morning Report

    Net worth, my note and the news, by mail.

  • To Your Taste

    Pick my personality and tone, or write your own.

  • For The Family

    Share a portfolio with the people you keep books with.

  • Keys Kept Locked

    AI, mail and alert passwords encrypted at rest.

All You Need Is Docker

Set a database password and an encryption key, then start me. Whoever makes the first account owns the place.

cp .env.example .env
docker compose up -d

The install guide covers HTTPS, your own Postgres and backups.