Referred by your financial advisor? You're in the right place.
Household Ledger — professional bookkeeping for your personal finances.
See what comes in, what goes out, and what's left to save, without doing the work yourself. We set up Monarch Money, review your accounts, and hand you a real picture of your income versus your expenses, reviewed by a real bookkeeper.
Why this exists
You shouldn’t need a spreadsheet habit to know where your money goes.
Most people don't have a spending problem — they have a visibility problem. Budgeting apps promise clarity, then hand you the work: fixing miscategorized transactions, untangling transfers, remembering what that $84 charge was.
Household Ledger is what happens when actual bookkeepers take that work off your plate. The same rigor we bring to business books, applied to your household.
Professional rigor, family-level care — for your home.
How it works
1. Ask us to start. Fill in a short form. We email your invoice, with everything you're agreeing to in plain language.
2. Pay, then connect your accounts. Once your invoice is paid, we email your Monarch Money link and a one-page checklist. You connect your accounts yourself. Your passwords go directly to your bank and never to us. If you get stuck, we'll hop on a quick Zoom call and do it with you.
3. We do the work. We review your transactions and send you one short email about the ones that need your input.
4. We walk through it together. On a 20 to 30 minute Zoom call, we review your income, your fixed expenses, your total spending, and what that leaves available to save. Your reports are yours to keep.
Your timeline
The process takes up to four weeks, and less if you move quickly. It is built to fit inside the one month of Monarch Money included in your fee, and each step depends on the one before it.
The day you pay: we email your Monarch link and checklist.
By day 7: you connect your accounts.
By day 10: we send you our questions.
By day 14: you send your answers.
By day 17: we send a link to book your review call.
By day 24: we review your reports together on Zoom.
By day 27: we wrap up.
Three of those dates are yours: days 7, 14, and 24. They are the latest dates. Finish a step sooner and everything after it moves up. If delays on your side extend the work past the included month, additional charges may apply.
What you get
A real picture of your income versus your expenses: your monthly income, your fixed ongoing expenses, your total spending, and what that leaves available to save each month
Your transactions reviewed by a professional bookkeeper, not left to an algorithm's best guess
A 20 to 30 minute Zoom call to walk through your numbers together
Reports your advisor can use at planning time, shared only if you say yes
A short list on your end: connect your accounts, answer one email, join one call
What it costs
One-time setup — $500
Businesses pay us hundreds or thousands a month to track their cash flow. This is the same rigor, scoped to a household and done once. One month of Monarch Money is included. We review the history your banks share with Monarch, often a few months and up to twelve, and deliver a clear report of your income, your fixed expenses, your total spending, and what's left to save.
Payment is due up front, and we send your Monarch link as soon as it's received. The process is built to finish within the included month. If delays on your side extend it, additional charges may apply.
Referred by your financial advisor? Name them on the form and we will let them know we are working with you. We send them your reports only if you tell us to.
The family behind Household Ledger
When I was nine, I told my dad I was done being treated like a child. He handed me the household budget for a month — rent, utilities, groceries, all of it — and told me to prove it with records. It was meant to teach me a lesson. I balanced it, and I've been doing this ever since.
Joelle
My accounting professor told us that passing her course wasn't enough — you had to get everything right, extra credit included, because that's the heart of accounting. I got 100% in every accounting class I took. Now Joelle and I are raising three boys, and this is the ethos I want to pass on to them.
Kevin
Every statement that leaves our desk is reviewed by one of us. No algorithm gets the last word.
We work with your advisor — not instead of them.
Household Ledger is bookkeeping. Your advisor guides the plan; we make sure the numbers underneath it are clean, current, and clear.
We don't sell investments and we don't give financial advice. If you'd like, we'll send your reports directly to your advisor so your planning conversations start from the same page.
Common questions
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Yes. Your accounts connect through Monarch Money's secure, read-only connections. We can view transactions and balances to do our work — we cannot move money, and we never hold your banking credentials.
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No. Everything stays exactly where it is. Monarch reads from the accounts you already have.
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Three things: connect your accounts (about 20 minutes, with our checklist), answer one short email of questions, and join a 20 to 30 minute review call.
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No. We're bookkeepers — we categorize, organize, and report. Decisions about investing, insurance, and planning stay with you and your advisor.
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We don't prepare taxes or give tax advice. Questions about how something is taxed belong with your CPA.
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Not at all. Our one-page checklist walks you through connecting your accounts, and if you get stuck, we'll hop on a quick Zoom call and do it with you.
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Your reports are yours to keep. One month of Monarch Money is included with setup. We close that membership after delivery unless we've agreed otherwise, so nothing recurring is left in your name.
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Up to four weeks, and less if you move quickly. Each time we hand something back to you, the sooner you respond, the sooner you have your reports. See the timeline above.
Ready to start?
Tell us who you are and who referred you. We'll email your invoice and next steps within one business day.