Ledgr: Loan & EMI Manager

vm creations

Contains ads

About this app

Ledgr is a private, offline-first way to take control of what you owe. Add every loan you're paying off — home, car, personal, gold, credit-card or BNPL — and instantly see one honest number for your total debt, the date you'll be free, and exactly how much interest you'll pay.

Then answer the question that actually saves you money: "What if I pay a little extra?" Ledgr's prepayment planner shows, in real time, how an extra ₹2,000 a month or a one-time lump sum can make you debt-free years sooner and save lakhs in interest.

Everything stays on your phone. No sign-up, no bank login, no sharing your financial data.

━━━━━━━━━━━━━━━━━━━━ ⭐ WHAT YOU CAN DO ━━━━━━━━━━━━━━━━━━━━

• See every loan in one dashboard — total outstanding, monthly EMI, and your real debt-free date • Get a full amortization schedule for each loan (principal vs interest, every month) • Prepayment planner — see interest saved and time saved before you pay a rupee extra • Multi-debt payoff strategy — compare Avalanche vs Snowball and get a clear payoff order • Portfolio "What-If" — model extra monthly payments and lump sums across ALL your loans at once • Record EMIs and prepayments, watch your progress bar shrink, and hit payoff milestones • Handle real life — floating-rate resets, EMI changes, part-payments — the schedule updates live • EMI reminders — a local notification a few days before each due date so you never miss one

━━━━━━━━━━━━━━━━━━━━ 🧮 BUILT-IN FINANCE CALCULATORS ━━━━━━━━━━━━━━━━━━━━

• EMI / loan calculator • SIP & lumpsum investment calculators • FD, RD and PPF calculators

Each with clean charts so you can see where your money goes.

━━━━━━━━━━━━━━━━━━━━ 💸 TRACK YOUR SPENDING ━━━━━━━━━━━━━━━━━━━━

• Log expenses & income in seconds with a fast keypad — sort them into categories • Set monthly budgets (overall + per-category) with a live pace bar • Insights — where your money goes, month-by-month trends, top merchants, and smart tips

━━━━━━━━━━━━━━━━━━━━ 🎯 SAVINGS & GOALS ━━━━━━━━━━━━━━━━━━━━

• Create goal "jars" — emergency fund, a trip, a new phone, a down payment • Add money in seconds and watch each goal grow with a progress ring • Smart projections — see when you'll reach a goal at your pace, or how much to save each month to hit your target date • "What if I save more?" shows how much sooner you'd finish • Earn a badge every time you reach a goal

━━━━━━━━━━━━━━━━━━━━ 📊 YOUR DAILY MONEY DASHBOARD ━━━━━━━━━━━━━━━━━━━━

• Open Ledgr to one honest answer: "how is my money doing today?" • Daily Money Score (0–100) — your finances at a glance, with a streak and a "what happened yesterday" recap • Smart insights + Smart Moves — spare cash this month? Ledgr shows the interest you'd save by prepaying a loan • Money Calendar (green / yellow / red days), a Weekly Review, and a shareable Monthly Wrapped

━━━━━━━━━━━━━━━━━━━━ 📈 INVESTMENTS & NET WORTH ━━━━━━━━━━━━━━━━━━━━

• Track your holdings — stocks, mutual funds, gold, FDs, PPF and more — with portfolio value, gain/loss and allocation • Watch your net worth grow toward milestones (₹10L, ₹25L, ₹50L, ₹1Cr) • 100% manual and private — no bank connection, no market-data account

━━━━━━━━━━━━━━━━━━━━ 🔒 PRIVATE BY DESIGN ━━━━━━━━━━━━━━━━━━━━

• Works fully offline — your loans and payments are stored only on your device • No account, no bank connection, no selling your data • Made for India — rupee-first, with Indian loan types built in

Ledgr does not lend money, offer credit, or move funds. It's a personal tool to help you understand and manage debts you already have — and pay them off faster.

Start today. Add your loans, find your debt-free date, and see how much sooner you could get there.

What’s new

### What's New

☁️ **Cloud Backup & Sync**
Sign in with Google to securely back up your data and access it across your devices. Your progress and data stay synced, making it easier to continue wherever you are.

✨ **UI Enhancements**
Enjoy a cleaner, smoother, and more user-friendly interface with improved layouts and overall visual refinements.

🐛 **Bug Fixes & Performance Improvements**
Improved app stability and performance for a smoother experience.