PrimeLedger PrivateYour whole financial life, in one private place
Track what you own, owe, earn and spend — in any currency, from anywhere in the world. PrimeLedger Private is a free, self-service tool from PrimeLedger Consultancy FZCO: the same disciplined bookkeeping we bring to businesses, applied to your personal finances, and private by design — nobody on our team can see your figures. A record-keeping, budgeting and tax-clarity tool, not an investment manager.
Who it's for
Expats & Cross-Border Earners
Salary in one country, family in another, savings in a third. Keep every entry in its own currency, see one consolidated net worth, and understand a tax position that spans borders.
Salaried Professionals & Families
Find out where your income actually goes each month. Import a statement, set a budget per category, and see plainly whether you're saving enough for what's coming.
Property Owners & Borrowers
Mortgages, personal loans, car finance. Upload a statement and we'll pull out the balance, rate and EMI — then model payoff, refinancing or rent-vs-buy before you commit.
Business Owners, Personally
You already keep the company books straight. This is that same discipline turned on your own net worth — tracked entirely separately from the business.
How it works
Start free — or just look around
Create an account in under a minute, or open the whole portal as a guest first: no sign-up, nothing saved, nothing to lose.
Add your numbers, or import them
Type entries in yourself, or upload a bank, card or loan statement and let PrimeLedger extract the transactions, balances, rates and EMIs for you to confirm.
See the whole picture — then act on it
Live net worth, spending reports, cross-border tax estimates, AI health reports on every section, and free calculators for the decisions that matter.
What PrimeLedger Private helps you do
Assets, Liabilities & Net Worth
One dashboard for everything you own and owe, in whatever currency it's held in.
- Real estate, cash, investments, gold, crypto and business equity in one place
- Loans and EMIs — upload a statement and we'll extract the details
- Live net-worth totals, converted to AED, with a trend chart that builds as you visit
Income, Expenses & Budgeting
Track what you actually earn and spend, not just what you meant to.
- Import a bank or card statement and confirm the transactions we identify
- Budgets per category, with reminders when you go over
- Spending broken down by month, category, day of week and payment mode
- Recurring subscriptions surfaced automatically, with their true annual cost
Planning & Goals
Put a real number and a real date against whatever's coming next.
- Buying or refinancing a property, a new baby, education, retirement, clearing a loan
- Get a plan for each: pay cash or finance, act now or postpone, how much to set aside monthly
- See which of your own tracked expenses could realistically close a shortfall
- Jump to the matching calculator, and download any plan as a PDF
Cross-Border Tax Profile
Understand your tax position across the jurisdictions that matter to you — wherever they are.
- UAE, India, Pakistan and USA get a built-in estimate from your tracked income
- Anywhere else in the world? Ask MATRIX for guidance on your situation
- Tax Residency Certificate (TRC) and DTA tracking
- CRS reporting flags for foreign asset holders
A Free Toolkit, No Data Required
Twelve calculators you can use on their own, whether or not you track anything with us.
- Fixed and floating rate mortgages, loans and EMIs, debt payoff, rent vs. buy
- Retirement corpus, emergency fund, investment growth projections
- UAE and Indian gratuity, Zakat, and Islamic inheritance (Faraid) with references
- Download results as a PDF — or open one pre-filled straight from a Planning goal
Private by Design
Your financial details are yours alone — nobody at PrimeLedger can see them.
- No staff or admin dashboard ever shows your individual figures
- Every account is isolated — only you can view or edit your own data, signed in
- MATRIX, your AI assistant, only ever sees what's in your conversation with it — nothing is shared automatically; an explicit 'Send to MATRIX' button on each section is the only way to export its figures in, and shows you exactly what's being sent before it goes
Meet Your AssistantMeet MATRIX
Money, Asset, Tax, Revenue & Income Xpert
MATRIX is the AI assistant built into PrimeLedger Private — on hand for personal finance and tax questions for any country in the world, not just the UAE. Ask about your own tracked figures any time from the chat bubble in the corner of your portal, or send a section's numbers straight into chat for an instant read and suggestions.
Programmes
Master your money by investing just a few minutes a day. Short, interactive programmes on personal finance, tax savings, investing, wealth building, and personal growth — landing soon.
What PrimeLedger Private is — and isn't
What we do
- ✓Tax consultancy and personal financial record-keeping.
- ✓A self-service digital net-worth & budgeting tool you use to record and track your own financial position.
- ✓Tax optimization and systematic accounting of your personal finances.
- ✓Keep your data private — visible only to you, never viewed by our staff.
What we don't do
- ✕Provide investment advice or discretionary portfolio management.
- ✕Sell investment products, execute trades, or hold client funds.
- ✕Any activity requiring a DFSA, FSRA or SCA license.
PrimeLedger vs. PrimeLedger Private
| Dimension | PrimeLedger (Corporate) | PrimeLedger Private |
|---|---|---|
| Primary Focus | Operating companies, trade licenses, corporate tax returns | Personal income, expenses, assets and liabilities |
| Core Output | Corporate P&L, VAT compliance, FTA tax filings | Consolidated net-worth statements and cross-border tax estimates |
| Risk Focus | Business audit trail, commercial liability | Personal financial visibility, tax compliance |
See where you actually stand
PrimeLedger Private is free and open to everyone. Create an account in under a minute, log in if you're already a member, or explore the entire portal as a guest first — no sign-up, nothing saved. Whatever you track stays private and visible only to you.