01
Personal
The household headline: cash, cards, the house, insurance cash value, and personal wallets.
Household and company books
The household and the companies it owns, in one ledger.
CubeLedger is a read-only workspace for people who keep personal accounts, a few entities, and crypto in the same picture. Every account has an owner. Combined totals count intercompany transfers once. Cost basis on screen is an estimate.
- Connections
- Read-only
- Entities
- Once each
- Tax forms
- Partner later
Sample net worth
$621,449.20
Liquid
$221,649.20
Illiquid
$399,800.00
September savings rate 71.0%
Intercompany excluded $5,000.00
Maple Street residence is 47.1% of assets
Simulated Hartwell household as of October 3, 2026. Not a customer book.
02
Business
Each LLC, trust, and holding company on its own card. A trust that only owns an LLC shows look-through and does not add it twice.
03
Personal + Business
Every account once. A transfer from the holding company to the operating company is left out of income and spending.
What the ledger keeps
All featuresFreshness
Every source shows an as-of time and a status: fresh, stale, failing, or stub.
Crypto lots
FIFO basis and unrealized results, labeled as an estimate. Spam airdrops are stored and never priced.
Monthly report
A factual PDF: month-over-month change, savings rate, categories, concentration. The hash can be written to the XRPL testnet.
Three plans
Household
$15/mo
One household, read-only balances, and a crypto basis estimate.
Operator
$20/mo
Household plus a few operating entities, and a monthly factual report.
Holding
$30/mo
or $300/year
Holding companies, subsidiaries, and a hash of each finalized report on the XRP Ledger.