Ledgr: SMS Expense Tracker

Ledgr

About this app

Know exactly where your money goes, with zero manual entry. 💸

Ledgr is an Android expense tracker built for Bangladesh. It reads your supported bank and mobile wallet transaction SMS alerts and turns them into a clear daily spending view automatically. No spreadsheets, no manual logging. Ledgr works as your automatic money manager and daily budget app for bKash, Nagad, and bank spending in taka.

WHY PEOPLE USE LEDGR 🌟
- Automatic expense tracking from bank & wallet SMS
- A daily spending view with zero manual entry
- Subscription tracking that catches recurring payments
- Private by default, with your data stored on your phone
- Optional AI insights: forecasts, reports, spending patterns

WHAT YOU CAN DO

📲 Track expenses automatically
Ledgr reads supported transaction alerts and converts them into structured spending records: purchases, withdrawals, transfers, bills, recharges, and card activity.

🔔 Catch every subscription
Ledgr detects recurring payments and subscriptions from your transactions, so you always know what is billing you and when.

🎙️ Catch the spend SMS misses
Paid in cash or from a bank Ledgr doesn't support yet? Speak or type it in Bangla, English, or mixed. Ledgr's AI parses the amount, merchant, and category; you review and save.

📊 See your money clearly
See monthly spending, daily trends, top merchants, biggest transactions, and category breakdowns in one place.

🎯 Set a Monthly Focus
Pick a few categories or your whole month, set a budget, and follow a clear allocation view of how your money flows. Daily expense list and monthly budgeting in one app.

🔥 Stay motivated
Keep a daily streak, take on lightweight challenges, and see your pace versus last month. Ledgr coaches, never guilts.

🗂️ Organize transactions faster
Create your own categories, assign a merchant once, and Ledgr auto-tags every past and future transaction from that merchant. Filter by merchant, bank, or category.

🤖 Understand your habits with AI
Optional AI insights explain your spending in plain English: a weekly AI Spend Report, a full personalized Spending Report, plus forecasts, savings opportunities, and your spending personality.

KEY FEATURES ✨
- Automatic SMS-based expense tracking
- Subscription and recurring payment tracker
- Monthly Focus budgets with an allocation flow view
- Voice & text entry for cash and missed spend
- Daily and monthly spending trends
- Top merchant breakdown & biggest transactions
- Category dashboards and custom categories
- Merchant rule automation
- Search and filter across transactions
- Streaks and habit-friendly challenges
- Optional AI Spend Report & full Spending Report
- Optional AI forecasts, savings radar & personality
- Backup and restore

SUPPORTED BANKS & WALLETS 🏦
Ledgr currently reads transaction alerts from:
- Standard Chartered Bank Bangladesh
- Eastern Bank Limited (EBL)
- BRAC Bank
- The City Bank
- Mutual Trust Bank (MTB)
- Trust Bank
- bKash
- Nagad

PRIVACY FIRST 🔒
Your financial data stays on your phone by default.

Ledgr uses SMS permission only to read supported transaction alerts and organize your spending automatically. You never forward messages or copy transactions in by hand.

Ledgr never reads your personal chats, group messages, or messages from unsupported senders.

OPTIONAL AI INSIGHTS 🧠
AI insights are optional and off by default. If you enable them, Ledgr sends only aggregated spending data for analysis. Your raw SMS content is never sent for AI insight generation.

বাংলায় সংক্ষেপে 🇧🇩
Ledgr বাংলাদেশের জন্য তৈরি অটোমেটিক খরচের হিসাব অ্যাপ। bKash, Nagad আর ব্যাংকের SMS থেকে আপনার দৈনিক খরচ, টাকার হিসাব আর মাসিক বাজেট নিজে থেকেই ট্র্যাক হয়। ম্যানুয়াল এন্ট্রি লাগে না, ডেটা থাকে আপনার ফোনেই।

WHO LEDGR IS FOR 🎯
People in Bangladesh who get bank or wallet transaction SMS and want a faster money manager: daily expenses tracked, budget in taka, zero manual entry.

Install Ledgr and see every taka with less effort. 🚀

What’s new

Ledgr now spots your recurring charges automatically, right from your SMS. No typing.

• Every subscription in one place: what you pay monthly and yearly, and what renews next
• A calendar of the month's renewals
• A reminder about 2 days before each charge
• Tap "Tag as subscription" on any transaction to add one yourself
• Lifetime spend per subscription, so forgotten subs stop hiding