Ledgr — Personal Finance Tracker & Budget Planner (100% Offline)

Take full control of your money with Ledgr, the personal finance tracker and budget planner built for people who want their financial data to stay private. No bank login required, no cloud account, no ads reading your transactions — everything lives securely on your own device.

WHY LEDGR

Most finance apps ask you to link your bank account and send your spending data to a server. Ledgr doesn't. It's a fully offline finance tracker: your accounts, transactions, loans, savings, and certificates are stored only on your phone. You get a complete personal finance dashboard without handing your financial life to a third party.

EVERYTHING YOU NEED TO TRACK YOUR MONEY

📊 Accounts & Net Worth
Track unlimited bank accounts, credit cards, and cash wallets in one dashboard. See your real-time net worth, total assets, and debt at a glance, with full balance history charts per account.

💸 Transactions & Expense Tracking
Log income, expenses, and transfers by hand, import transactions from a bank CSV export, or scan a receipt and let on-device AI extract the merchant, amount, and line items automatically. Categorize spending and see exactly where your money goes each month.

🏦 Loans & Installment Tracking
Manage every loan — mortgage, auto, personal, BNPL — with a full installment schedule, next-due reminders, early settlement calculators, and a breakdown of interest paid vs. principal paid over time.

📄 Certificates of Deposit (CDs)
Track fixed and variable-rate certificates with payout frequency, accumulated interest, and a portfolio chart showing your CD value growing over time.

🎯 Saving Goals
Set savings or debt-payoff goals with target dates, milestones, streaks, and a daily-recommended-contribution calculator that keeps you on schedule. Visual progress rings and a 35-day contribution heatmap keep you motivated.

📈 Budgets & Spending Insights
Set monthly budgets by category and get automatic month-over-month insights — spending spikes, income changes, and savings-rate trends — surfaced right on your dashboard.

💱 Multi-Currency & Live Exchange Rates
Track accounts in different currencies with automatically refreshed exchange rates, cached locally so conversions keep working even offline.

🤖 On-Device AI Assistant
Ask questions about your finances and get answers from an AI assistant that runs entirely on your device. Your financial data and questions never leave your phone — no cloud AI, no data sharing.

🔒 Privacy & Security First
- Fully offline — no account, no sign-up, no cloud sync
- Optional PIN lock to secure the app
- Export all your data to Excel anytime, it's yours
- Try a full-featured Demo Mode with realistic sample data before adding your own

🎨 Built to Look Great
Six polished themes — including Midnight, Light, Forest, and a full Matrix mode — so your finance tracker looks the way you want, day or night.

WHO LEDGR IS FOR

- Anyone who wants a real budget planner without linking a bank account
- People juggling multiple accounts, loans, and CDs who want one clean dashboard
- Privacy-conscious users tired of finance apps that monetize their spending data
- Savers who want milestone tracking and daily contribution targets, not just a spreadsheet

FREE WITH OPTIONAL AD-FREE UPGRADE

Ledgr is free to use with a small banner ad. Prefer a completely ad-free experience? A one-time in-app purchase removes ads permanently — no subscription, ever.

Download Ledgr and start tracking your budget, expenses, loans, and savings the private, offline way.