Coming soon
iPhone · iPad · Mac
Ledger opens to your new transactions. Not to a blank form.
Ledger is a zero-based budget app. It receives your transactions automatically. It gives each transaction a category. You approve the correct ones and you change the others. Then you assign each dollar to a category.
There is no subscription
in about four minutes
All devices show it
The review inbox. Approve each correct transaction. Then all of your money has a category.
A budget app for a home that spends money every day.
FeaturesReview inbox
New transactions arrive with a category. Approve a transaction with one swipe. Or open it and change the category.
To Be Assigned
Assign each dollar to a category for the month. The number at the top shows the money that has no category.
Rules
Make a rule that puts a payee into a category. Ledger also learns from your corrections. The second month is easier than the first.
Splits and transfers
Divide one purchase between two or more categories. Ledger also matches a transfer between two of your own accounts.
Connection health
One screen shows the status of each bank connection. You can see an old connection immediately. It does not look like a week with few purchases.
Export and delete
Export all accounts, categories, and transactions as CSV and JSON. You can also delete your data. Deletion removes the data and the bank connection.
The weekly routine, step by step.
Select a step. These four steps are the complete routine.
You supply the key
Automatic bank data costs money each month, for each connection. I don't charge a subscription for that cost. You make your own aggregator account. You pay the aggregator directly. You keep control of the account and the token.
Your own SimpleFIN key
Make a SimpleFIN Bridge account. Generate a setup token. Then put the token into Ledger one time. SimpleFIN costs $1.50 each month, or $15 each year. One account supports a maximum of 25 institutions. You pay SimpleFIN directly.
Ledger does not receive your bank password.
Apple Card, Cash, and Savings
On iPhone, Ledger reads these accounts from Apple Wallet with FinanceKit. The data stays on your device, and also syncs to your other devices running Ledger. These accounts are current each day. There is no additional cost.
Manual entry
You can add an account or a transaction by hand. Use manual entry for cash. Use it also for a bank that no aggregator supports. Manual entry is a permanent part of Ledger.
Where your data goes
My other apps keep all data on your own devices. Ledger can't do this. Automatic sync sends your transactions through an aggregator. Ledger then stores them in a database. All devices in your home then show the same budget. Ledger is not end-to-end encrypted since it is not technically possible.
Ledger has no ads and no analytics tools. I don't sell your data to any person or company. You can export all of your data at any time. You can also delete your household. Deletion removes your data and the stored bank connection.
Common questions.
FAQWhen can I get Ledger?
Ledger is not on the App Store yet. I can't promise a date, but enter your email address below, and I'll notify when the app is ready.
What is the price?
There is no subscription and no purchase in the first version. The only monthly cost is the aggregator account, and you hold that account.
Why must I supply the bank connection?
The other method is a subscription that pays an aggregator. Those types of apps already exist, and that isn't the goal here. With this method the cost is small and clear, and you can stop it at any time.
Can I use Ledger with no bank connection?
Yes. Manual accounts and manual transactions work in the same way as connected accounts. The budget math is the same.
Is my data end-to-end encrypted?
No. Sync between the devices in your home needs a server that can read the data. For more information, read the Privacy Policy.
Can my spouse see the same budget?
Yes, thanks to Family Sharing. Your household has one budget and one set of accounts. Each device shows the same data.
I use YNAB. Can I move my history to Ledger?
A YNAB import is planned. Once built, the app will be automatically updated.
Can I export or delete my data?
Yes, from inside the app. Export writes CSV and JSON files. Deletion removes your household data and the stored connection. You cancel the aggregator account yourself, because it is yours.
Get notified when Ledger is ready.
You get one message when Ledger is on the App Store. I send a few other emails each year. I won't use your email address for any other purpose.
