Family Ledger gathers every account a household owns into one private picture of net worth, using ten minutes of data entry per month. Bank cards, brokerage accounts, funds, property, loans, crypto, precious metals, and insurance sit together, grouped by family member, with CNY, USD, and HKD support. Each month the app lists the balances to fill in, so two partners can finish the job at different times from a phone or desktop. The dashboard separates what you earned from what your money earned, and it reports true annualized return with XIRR and TWR, plus a net-worth line adjusted for inflation. An asset lens slices holdings by risk, platform, industry, currency, and region through sunburst charts and pivot tables, and fund look-through shows the real stock, bond, and industry exposure behind each fund. Upload a brokerage screenshot and a vision model reads every holding for you to confirm. AI checkups score allocation, risk, liquidity, and returns, then suggest rebalancing steps. Goals for retirement, education, and emergency reserves come with optimistic, neutral, and pessimistic forecasts. Running on a dedicated VPS on RepoCloud with guaranteed CPU, RAM, and SSD, full root SSH access, and a browser serial console. AGPL-3.0 licensed.