Windows · Mac on the roadmap

One complete picture
of your wealth.

Name: Aethelgard
Price: 99.00 USD
Author: Aethelgard

Private on your own device. Built for complex assets, family continuity, and absolute control. No cloud. No telemetry. No account required.

Start Free Trial — Windows

Latest Version: ...

30-day free trial · No account required · Your data never leaves your device

Aethelgard — Consolidated Wealth Summary

Why Aethelgard

Built for complexity.
Designed for clarity.

🗺

The Family Succession Map

Give your family absolute clarity. Aethelgard creates a definitive, secure record of "what we own, where it is, and how much it's worth" — so your trusted successors have the exact information they need, right when they need it.

🏛

Track Everything You Own

Go beyond traditional bank accounts. Track your global real estate, private equity, digital assets, and physical wealth — the assets standard software ignores — all in one complete picture.

🔗

The Complete Wealth Ledger

Consolidate your entire financial footprint. Manage funds across multiple companies, personal accounts, charitable foundations, and distinct cost centres — all without friction or fragmentation.

🔒

Local-First Privacy

Your financial map is no one else's business. Aethelgard runs purely on your own device with zero telemetry or cloud requirements. Backups are AES-256-encrypted before they leave your machine, and your data remains solely under your control.

See It In Action

The ledger your wealth deserves.

The problem

Most wealth maps are fragments.

Statements, spreadsheets, property deeds, advisor portals — each one a silo. No single source of truth.

Multi-entity

Every entity, in one vault.

UK Ltd, personal estate, overseas holding — each with its own jurisdiction, currency, and chart of accounts. Set up in seconds.

Import

Drop in a bank statement.

The categorisation engine reads transaction descriptions and assigns accounts automatically. No manual mapping.

Illiquid assets

Revalue what markets don't price.

Property, private equity, carried interest — revalue to fair value with IFRS accounting applied automatically.

Consolidated view

One number. Every entity.

Multi-currency equity roll-forward, reconciled across all entities and tax years. Your complete financial picture.

Trust

Every entry cryptographically chained.

SHA-256 hash chain — any change to any historical record is immediately detectable. One click to verify your entire history.

Tamper-Evident Records

Every journal entry is SHA-256 hash-chained on your device. Any change to any historical record is immediately detectable — a permanent, verifiable audit trail.

Fully Offline

No background network calls — ever. Your vault file lives on your machine; backups are AES-256-GCM encrypted before leaving the device. No telemetry, no analytics, no phone-home.

Illiquid Asset Revaluations

Property, private equity, carried interest, alternatives — revalue to fair value with IFRS-aligned accounting applied automatically. Balance sheet and net worth recompute on-demand whenever you refresh prices or post a revaluation.

How the privacy model works

Your data never leaves your device

Encrypted backups

Backups are AES-256-GCM encrypted before they leave your machine with an Argon2id-derived key from your passphrase. At-rest encryption of the local vault file (AES-256 via SQLCipher) is on the roadmap.

Zero telemetry

Aethelgard makes no background network calls. No usage analytics. No crash reporting. No phone-home.

Your backup, your cloud

Optionally sync encrypted backups to your own WebDAV endpoint — Nextcloud, your NAS, or any self-hosted storage.

Tamper-evident chain

Every journal entry is SHA-256 hash-chained. Any alteration to historical records is immediately detectable.

In use

Early access is open

Aethelgard is in active beta with a small group of design partners — founders, family office operators, and sophisticated investors. Testimonials and screenshots coming shortly.

30-day trial

No credit card. No account. Full Corporate features from day one.

Design partner access

Direct access to the founder, input into the roadmap, founder pricing.

Windows · Mac on roadmap

Windows installer available now. Mac build on the roadmap — join the waitlist to be notified.

Who it's for

For those who've outgrown everything else

Aethelgard is crafted for High-Net-Worth individuals, private family offices, and sophisticated investors who manage a complex web of businesses, real estate, charitable trusts, and modern digital assets. If you need more than bookkeeping — if you need a single, crystal-clear picture of your true wealth that your family can rely on — this is what you've been looking for. Your most private information stays exactly where it belongs: in your hands.

The Founder-Director

You have a company, take dividends, and hold personal investments — all tracked in different places. Aethelgard consolidates your Ltd, your ISA, your property, and your personal accounts into one coherent picture, across entities, in double-entry precision.

The Family Office

You manage trusts, holding companies, and generational assets. You need consolidated reporting across jurisdictions, IFRS-aligned accounts, and a record your successors and advisors can rely on — without paying £50,000/year for enterprise software.

The Sophisticated Investor

Investments, property, pensions, digital assets — spread across accounts, brokers, and countries. You've outgrown spreadsheets but won't put sensitive net worth data in the cloud. Aethelgard gives you a complete ledger that stays on your own machine.

Aethelgard is for you if

✓ You manage wealth across multiple entities — companies, trusts, personal accounts
✓ Your financial picture includes property, investments, pensions, and digital assets
✓ You care that your records are complete, private, and would make sense to your family
✓ You have outgrown spreadsheets but won't put sensitive wealth data in the cloud

Aethelgard is not for you if

✗ You want a budgeting app or expense tracker — try YNAB or Copilot
✗ Your business needs invoicing, payroll, or multi-user team access
✗ You want your accountant to log in and manage your records remotely
✗ You're happy with Xero or QuickBooks for your current needs

The Name

The Noble Stronghold.

Æthel

Old English for noble — of high birth, excellent. The root of Æthelstan, Alfred, Ethelred. In the Anglo-Saxon world, the æthelinga were the hereditary stewards: custodians of family wealth, inheritance, and legacy passed intact across generations.

Gard

Old Norse for stronghold — a sovereign enclosure, a world defended. The same suffix names the great realms of Norse mythology: Ásgarðr, realm of the gods; Miðgarðr, realm of humanity. Every -gard is complete, self-contained, and entirely its own.

Your financial life deserves a name — and a standard — equal to what it guards. Not a cloud account. Not a subscription someone else controls. A fortress: locally held, cryptographically sealed, precise to the penny.

The Anglo-Saxon nobility understood that lasting wealth required lasting records, kept close, protected, and passed intact to those who came next. So do you.

How we compare

The honest comparison

	Aethelgard	Spreadsheets	Xero / QBO	Addepar
Core Focus	HNW Sovereign Wealth & Legacy	Basic tracking	SME Business Accounting	Institutional Management
Asset Breadth	Unrestricted — Property, Crypto, LLCs	Highly manual	Bank accounts & fiat only	High-friction setup
Family Clarity	Unified "What, Where, How Much"	Fragmented	None	Complex reporting
Privacy Model	Purely local — fully on your device	Cloud or local	100% cloud / SaaS	100% cloud / SaaS
Pricing	Annual from £99 · Lifetime from £249	Ongoing subscriptions	Ongoing subscriptions	Enterprise fees

Pricing

Own it outright. Or start annual.

Personal · Sovereign · Corporate — priced per individual, beneficial owner, or legal entity. Not per asset, AUM, or transaction volume.

Not ready to buy? Download and try free for 30 days — no card, no account needed.

Personal

£249 one-time

For one individual's personal wealth.

✓ Bank, cards, mortgages & spending
✓ P&L and Balance Sheet
✓ Budgeting, goals & recurring payments
✓ Encrypted local vault & backup

Try free for 30 days before you buy

Set up your clients on Aethelgard

The Advisor Bundle gives you three independent Corporate-grade Lifetime licences — one per client vault — delivered together in a single email.

✓ 3 × Corporate-grade Lifetime keys — each activates a separate client vault
✓ IFRS-aligned accounting, consolidation, hedge accounting, deferred tax
✓ Your clients own their data — nothing leaves their device

£2,097

one-time · £699 per licence

Advisor Bundle returns to £2,997 after launch

All three keys delivered by email

Plain-language licensing. A Personal licence is for one individual's own finances. A Sovereign licence is for one ultimate beneficial owner and their entities. A Corporate licence is for one legal entity (your firm or family office) and its vaults. The Advisor Bundle is for one advisory firm using each key for a separate client vault. Licences are priced per individual, beneficial owner, or legal entity — not per asset, AUM, or transaction volume. See Terms for the full licence.

Design Partners — Limited Places

Help shape Aethelgard

We're inviting a small number of founders, family office operators, and sophisticated investors to join as design partners. You'll get direct access to the founder, input into the roadmap, and lifetime pricing — in exchange for honest feedback about whether this solves your real problem.

Cherie Chin-A-Fo

Registered Accountant (Koninklijke NBA) · Drs Economics, Erasmus · 25 years in finance and wealth management

No spam · No obligation · Windows available now · Mac on the roadmap

FAQ

Common questions

What is the Windows SmartScreen warning? +

When you first install Aethelgard on Windows, you may see a warning from Windows SmartScreen saying "Windows protected your PC." This is a standard notice for new independent software — it does not mean anything is wrong. Click More info, then Run anyway to proceed. The warning fades as Aethelgard builds reputation with Microsoft over time.

How private is my data? +

Extremely private. Aethelgard is a local-first application — there are no mandatory cloud accounts, no telemetry, and no background sync unless you configure it. Your financial history lives only on your machine; backups are AES-256-GCM encrypted before they leave your device. At-rest encryption of the live vault file is on the roadmap — we recommend BitLocker (Windows full-disk encryption) for defence-in-depth in the meantime.

Where is my information stored? +

Your ledger is kept securely on your personal device. For peace of mind you can create encrypted backup vaults that sync to your own private cloud storage — you remain completely in control of where your backups go.

What is the difference between Annual and Lifetime? +

Annual access gives you the full product for 12 months and renews each year. A Lifetime license is a one-time purchase — you own it permanently with no further payments. Both options include the same features. You can upgrade from Annual to Lifetime at any time and we'll credit the difference.

What is your refund policy? +

We encourage you to download and try free for 30 days before buying — no card required. That way you know exactly what you're getting before any money changes hands. If you've already purchased and something isn't working for you, contact us directly and we'll make it right.

Does Aethelgard work on Mac? +

A Mac version is on the roadmap. Windows users can download the current release today. Join the mailing list to be notified when the Mac build is ready.

New to Aethelgard? Read the Quick Start Guide →

One complete picture
of your wealth.