Ask an AI about your money while keeping your privacy.
LocoLedger works with your documents locally on your computer. Control what an AI can see via MCP.
LocoLedger extracts transactions from your statements, redacts and swaps out information for you before sending to the AI.
Your actual bank statement files are never sent to the AI.
Download for Windows Windows · first run shows a Windows warning
Choose what your AI can see
Your personal finance questions answered to your preferred privacy level.
Each level includes the one below it. You also set how long it lasts: this session, seven days, until you turn it off, or ask me every time.
Every figure shown here is invented.
The AI asked for your transactions. It received nothing.
Request refused — this level shares nothing.
The default. Connecting only puts an AI on the screen for you to decide about.
Totals only — one row per account per month.
| Month | In | Out | Closing |
|---|---|---|---|
| 2026-06 | 2,400.00 | 2,118.40 | 1,046.20 |
| 2026-07 | 2,400.00 | 2,602.75 | 843.45 |
| 2026-08 | 2,400.00 | 2,281.10 | 962.35 |
Enough to answer the question. Not enough to say what you bought.
Dates and amounts. No descriptions at all.
| Date | Description | Amount |
|---|---|---|
| 2026-08-02 | — | −62.40 |
| 2026-08-04 | — | −9.99 |
| 2026-08-07 | — | −148.00 |
| 2026-08-11 | — | −62.40 |
| 2026-08-15 | — | +1,200.00 |
A shape of spending, with nothing said about who.
Each payee is shared as a label like Payee 04 — the same one every time.
| Date | Shared as | Amount |
|---|---|---|
| 2026-08-02 | Payee 04 | −62.40 |
| 2026-08-04 | Payee 11 | −9.99 |
| 2026-08-07 | Payee 02 | −148.00 |
| 2026-08-11 | Payee 04 | −62.40 |
| 2026-08-15 | Payee 09 | +1,200.00 |
A repeat stays visible as a repeat — Payee 04 twice this month — without naming anyone.
The descriptions as printed on the statement.
| Date | Description | Amount |
|---|---|---|
| 2026-08-02 | WEEKLY GROCERIES | −62.40 |
| 2026-08-04 | STREAMING SUB | −9.99 |
| 2026-08-07 | CITY ENERGY LTD | −148.00 |
| 2026-08-11 | WEEKLY GROCERIES | −62.40 |
| 2026-08-15 | SALARY | +1,200.00 |
The most it can be given. Still figures read from the document, never the document.
Written to your disclosure log either way
14:32 Refused transactions · level: nothing
How it works
-
Add your statements
Add your bank statement PDFs. Your originals stay where they are. How a statement is read
-
Pick what your AI can see
Choose your sharing settings. The five levels
-
Ask your AI
Connect Claude or Codex over MCP. It only sees what your settings allow, and every request is logged.
Download LocoLedger
Windows. The installer is not signed yet, so the first time you run it Windows shows a blue box reading “Windows protected your PC”. Getting past it is one extra click: More info, then Run anyway.
The version, what that warning looks like and how to remove the app again are all on the download page.