How to Track Multiple Bank Accounts in One Place

To track multiple bank accounts in one place without linking anything to your actual banks, create a separate register for each account inside a checkbook register app, then view them together on a dashboard that shows all balances and your total net worth. LedgerFlow does this by letting you set up one register per checking account, savings account, or credit card, all entered manually, all stored on your device.

Most people end up with money spread across a few places: a checking account for bills, a savings account for emergencies, maybe a credit card or two. Checking each one separately in different bank apps makes it hard to answer a simple question: how much do I actually have, all together, right now?

The usual fix is linking everything through a bank-connection service that pulls balances automatically. But that means handing over your login credentials to a third party and trusting an automated feed to categorize things correctly. There's a simpler, more private way: keep a manual register for each account, the way people have always balanced a checkbook, and put them side by side in one app. Here's how to set that up.

Create a separate account (register) for each bank account or card

In LedgerFlow, each bank account, savings account, or credit card gets its own account and its own register. Set one up for your checking account, another for savings, and another for each credit card you use.

Every register works like a standalone checkbook register: you log each transaction (date, payee, category, amount), and the app keeps a running balance underneath it, just like writing it by hand.

Keeping accounts separate this way matters for accuracy. Mixing transactions from two accounts into one list makes the running balance meaningless: you'd have no way to know what's actually in your checking account versus what's sitting in savings. One register per account keeps each balance clean and specific to that account.

Use the accounts dashboard to see net worth and per-account balances

Once you have a few accounts set up, the accounts dashboard is where they come together. It shows a net-worth header at the top, the combined total across everything you've added, along with each account listed underneath showing its current balance, cleared balance, and uncleared balance.

That's the point of tracking multiple accounts in one place: you don't have to open four different apps to know where you stand. One screen shows the full picture.

The distinction between current, cleared, and uncleared balances is worth paying attention to, since it's easy to confuse with what a bank app shows you. If you're not sure how those differ from what your bank labels as "available," this explainer on running balance vs. available balance walks through it.

Record money moved between accounts as a linked transfer entry

When you move money between your own accounts, say from checking to savings, LedgerFlow has a transfer transaction type for exactly that. Recording it as a transfer links the two entries together, so the money leaves one register and appears in the other automatically as a matching pair.

If you ever delete one side, the linked entry is removed too, so the two registers can't drift out of sync with each other.

Recording it any other way, like an expense in one account and income in another, risks miscategorization or duplication over time. A transfer avoids double-counting and keeps your net worth total accurate, since money moving between your own accounts shouldn't count as new income or new spending.

Free tier covers 2 accounts

LedgerFlow is free to download, and the free tier includes the core register and transaction features for up to two accounts, for example, a checking account and a savings account, or a checking account and one credit card.

Pro adds unlimited accounts

If you're juggling more than two accounts, multiple credit cards, a joint account, a business account, savings goals split across several places, LedgerFlow Pro removes the two-account limit and allows unlimited accounts.

Pro also adds recurring transactions, reports, and statement reconciliation, which become more useful the more accounts you're tracking, since you can compare spending and reconcile each one on its own schedule.

All entries are manual and offline — no bank linking or auto-import

It's worth being clear about what this approach is and isn't. LedgerFlow doesn't connect to your bank, doesn't use a service like Plaid, and doesn't pull in transactions or balances automatically. There's no login to a bank required and no live feed.

Every transaction across every account is typed in by you. The app works fully offline, with no account or sign-up needed, and everything is stored locally on your device.

That trade-off is intentional. Manual entry takes a bit more effort than an auto-synced feed, but it means your balance reflects transactions you've actually confirmed, not pending charges or delayed bank processing. It also means your account details aren't sitting with a third-party data aggregator.

If you want to back up your data, you can export a full JSON backup file through your device's share sheet, or export transactions as CSV. There's no cloud sync between devices though, so a backup file is something you manage yourself.

Reconcile each account against its statement to confirm accuracy (Pro)

Since nothing is pulled automatically from your bank, it helps to periodically check each register against the real statement. LedgerFlow's reconciliation tool (a Pro feature) lets you enter the statement ending balance for an account, tick off which transactions have cleared, and watch a live running difference until it hits zero. It also saves your reconciliation history so you can look back at past statement periods.

Doing this for each account individually is how you catch a missed entry or typo before it throws off your overall net-worth number. If you've never reconciled before, this step-by-step guide covers the process in more detail.

FAQ

Can LedgerFlow pull in my transactions automatically from my bank?

No. LedgerFlow doesn't connect to banks in any way. There's no automatic import or live balance feed. Every transaction in every account is entered manually, which is what keeps the data private and offline.

How many bank accounts can I track for free?

The free tier supports up to 2 accounts. If you need to track more than that, LedgerFlow Pro allows unlimited accounts.

Will my accounts sync between my phone and tablet?

No, LedgerFlow doesn't offer multi-device sync or cloud backup. Data stays local to the device it's entered on. You can export a JSON backup file yourself through the share sheet if you want a copy saved elsewhere.

What's the best way to record moving money from checking to savings?

Use the transfer transaction type rather than logging it as separate income and expense entries. A transfer links both sides together in LedgerFlow, so the two registers stay consistent and the amount doesn't get miscounted in your net worth total.

If you want your bank accounts and cards tracked side by side without linking any of them to your banks, LedgerFlow is built for that. Download LedgerFlow free on iOS and Android to keep a running balance across all your accounts, reconcile against your statement, and always know what you can actually spend.