Navledgr
Know what you can actually spend.
Navledgr connects to your bank, learns the shape of your bills, and answers the only question that matters between paychecks — what's genuinely left.
What it does
Bills that match themselves
Recurring charges are found in your transactions and matched to the bills they pay, including the ones a shared account splits.
Safe to spend
A daily figure that accounts for what's still due before your next deposit, not just the balance sitting in checking.
The shape of the month
Which pay period carries the weight, and how much is left to live on once each one's bills have landed.
Debt that tells the truth
Loans and cards tracked against their real amortization, including the interest backlog a graduated schedule hides.
How your data is handled
Navledgr is a personal project, not a company, and it is not trying to grow. That shapes every answer below.
- Your bank credentials never reach Navledgr. Connections are made through Plaid, which handles the sign-in. Navledgr receives a token, never a password.
- Access tokens are encrypted at rest. Fernet symmetric encryption, with the key held outside the database.
- Accounts are invite-only. Registration requires a code issued by hand. There is no public sign-up, and there never will be.
- Two-factor authentication is supported through any standard authenticator app, with single-use recovery codes.
- Nothing is sold, shared or advertised against. There is no analytics vendor, no ad network and no third party receiving your financial data.
Who it's for
Navledgr is run privately for its author and a small number of invited people. It is not a commercial product, it is not accepting sign-ups, and it has no relationship with any bank or card issuer beyond reading data you have explicitly connected.
If you were sent here from a bank's authorization screen, this is the application requesting access, and the person who invited you can tell you exactly what it is used for.