Ledger: Pay Cycle Planner
Bills, savings and what’s left
Only for iPhone
Free · In‑App Purchases
iPhone
Life doesn't follow a monthly schedule.
Rent, groceries, subscriptions, payment plans and unexpected expenses rarely line up neatly. Ledger is designed around your pay cycle, helping you see what's coming in, what's due, what's being set aside and what's left before your next payday.
Whether you're paid weekly, fortnightly or monthly, Ledger brings your income, expenses, savings and future commitments into one clear plan, without the complexity of a traditional monthly budget.
Plan around your pay cycle
• Build your plan around weekly, fortnightly or monthly pay cycles
• Add salary, hourly, casual and variable income
• Set custom base, penalty, overtime, weekend, evening, public holiday or fixed hourly rates
• Log hours against each rate and see your estimated gross pay update
• Manage multiple income streams in one place
• Link taxable incoming adjustments, such as bonuses, to the income stream they were paid with
• View Australian tax estimates for each taxable income stream and taxable incoming adjustment
Estimated tax only. Not financial or tax advice.
Stay ahead of expenses
• Track recurring and one-off expenses
• See bills, subscriptions and payment plans in the pay cycle they belong to
• Mark expenses as paid or defer them when plans change
• Set reminders for upcoming payments and choose when Ledger notifies you
• Review daily reminders in Inbox and open payment details directly
• Keep future payments visible before they catch you off guard
Organise what you're setting aside
• Set aside money in custom allocation pockets
• Create Savings pockets with optional target amounts and dates
• Plan regular contributions, add extra savings and track withdrawals or adjustments
• Adjust a planned contribution for one pay cycle without changing the regular plan
• Optionally track spending within each allocation while keeping the focus on your wider plan
• See how expenses, allocations and savings affect what you'll have left
Designed for clarity
Ledger is a pay-cycle planning space for understanding what's coming in, what's due, what's being set aside and what remains before payday.
There is no need to connect your bank or turn every purchase into a transaction to categorise. Ledger keeps the focus on the bigger picture, so you can plan ahead without adding more financial noise.
Terms of Use: https://useledger.co/terms/
Privacy Policy: https://useledger.co/privacy/
Ratings & Reviews
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Ledger 1.2.0 gives you more control over your income management and planning.
• Add custom penalty, overtime, weekend, evening, public holiday or fixed hourly rates, then log hours against each rate.
• Link taxable incoming adjustments, such as bonuses, to the income stream they were paid with so tax estimates reflect the combined pay.
• Includes some UX/UI reliability improvements.
Ledger calculates from the rates, hours and adjustment details you enter. It does not determine awards, employment conditions, payroll entitlements or the correct rate for a workplace.
Estimated tax only. Not financial or tax advice.
The developer, MATTHEW S DAIS, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Purchases
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- MATTHEW S DAIS
- Size
- 16.7 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Ledger Pro Annual $29.99
- Ledger Pro Monthly $3.99
- Copyright
- © 2026 Use Ledger