Steward: Complete Personal Finance,
Under Your Own Roof
Track every account, every dollar, and every share — checking, credit cards, loans, and investments — in one fast, self-hosted app. No subscriptions, no ad trackers, no bank credentials handed to a third party. Just your money, your server, your rules.
One App for Your Entire Financial Life
From your everyday checking account to your investment portfolio, Steward keeps it all organized, reconciled, and reportable.
Customizable Dashboard
A home screen built from widgets you choose: net worth, budgets, upcoming bills, top movers, market indexes, savings goals, and more — drag, reorder, hide, or maximize any of them.
Every Account Type
Checking, savings, credit cards, brokerage & crypto, loans, and non-liquid assets like real estate — all tracked side by side for a true net worth picture.
Fast Transaction Register
Inline editing, split transactions across categories, automatic transfers between accounts, and a filter bar to search any register instantly.
Real Reconciliation
Checkbook-style statement reconciliation for banking accounts, plus holdings-level reconciliation against brokerage CSV exports for investment accounts.
Categories & Payees
Nested income/expense categories, tax-related flagging for year-end reporting, and a payee directory with default categories and contact info.
Bills & Scheduled Items
Recurring bills, deposits, and transfers with auto-detection when you enter a matching transaction manually — never double-enter a bill again.
Smart Budgeting
Auto-generate a budget from your real spending history (1, 3, 6, or 12-month averages), then track pace with monthly and year-to-date progress bars.
Savings Goals
Set target amounts and dates for a vacation fund, emergency fund, or down payment, and link goals directly to an account for live progress tracking.
Cash Flow Forecast
Project any account’s balance forward using your scheduled bills and deposits — see cash crunches coming before they happen.
A Real Portfolio Manager, Not Just a Ledger
Steward tracks buys, sells, splits, reinvested dividends, and cash income across every brokerage and crypto account — then rolls it all up into one consolidated Portfolio view with market values, cost basis, and gain/loss.
- Automatic and manual price fetching, with a scheduled daily refresh
- Watchlist for securities you don’t yet own
- Stock & Sector Exposure reports that look through your ETFs and mutual funds
- Holdings reconciliation against real brokerage statements
- Capital gains, investment performance, and investment income reporting
25+ Reports — Or Build Your Own
Every angle on your money is already built: spending trends, net worth history, income analysis, loan amortization, tax summaries, and portfolio performance. Need something specific? The Custom Report builder lets you pick dimensions, metrics, filters, and chart type, then export to CSV or XLSX and save it as a dashboard favorite.
Bring Your Financial History With You
Import from Quicken, your bank, or a spreadsheet — Steward handles duplicate detection automatically.
Includes a dedicated Statement Converter for Fidelity and Merrill Edge exports, plus automatic DRIP (dividend reinvestment) merging so income is never double-counted.
Share It Safely With Role-Based Access
Give family members or a bookkeeper exactly the access they need — nothing more.
| Role | What They Can Do |
|---|---|
| Viewer | Read-only access to every account, transaction, report, and the portfolio — perfect for a spouse or accountant who just needs visibility. |
| User | Full read-write access: enter transactions, manage budgets and bills, and import data — without touching admin settings. |
| Administrator | Everything, plus user management, application settings, database maintenance, and backup/restore. |
Self-Hosted Means No Middleman
Steward runs on infrastructure you control. There’s no cloud account required to use it, no third party aggregating your bank logins, and no monthly fee tied to your net worth.
- One-click SQL database backup and restore
- Built-in integrity & maintenance checks catch duplicate or orphaned data
- Full database schema documented for power users who want direct SQL access
- HTTPS enforcement and configurable session security
Ready to Take the Wheel?
Steward puts your full financial picture — banking, budgeting, and investing — in one place you control.
Questions, bugs, or feature ideas? Email steward@7312.us. Steward is licensed for personal, non-commercial use — see the in-app License page for full terms.