Ledger — Calm Money Tracker
Expenses, budgets & projects
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
This Diwali, open a new ledger. Make the festival a pool and see what it cost — kept apart from your month. Calm, private, Indian-first: no account, no ads.
Money has two shapes.
There's the river — the monthly stream of what life costs. And there are the pools — the projects you pour into over months or years. A home build. A wedding. A renovation. A trip.
Most money apps only show the river. Ledger shows both, kept separate — so "what has the house cost so far, and how much of that was cement?" is one tap away, without tangling up your monthly view.
— YOUR MONTH AND YOUR PROJECTS —
• The River: what this month cost, day by day and by category.
• Pools: open one for any project. Every cost pours in, cumulatively.
• See what's left of a budget — or how far past it you are — calmly.
• Tap a category to see its sub-categories: Materials → Cement, Steel, Tiles.
• Refunds reduce what the project cost. Track phases. See your pace.
• Watch each pool fill like water. A quiet moment marks each phase finished and each quarter poured.
• Give a pool a cover photo — the site, the venue, the beach.
• Plan a project by category — Materials ₹12L, Labour ₹6L — and see each against its plan.
• Upcoming payments for a pool, with a reminder on the day. One tap when it's paid pours it in.
• Close a pool and it seals into a card: what that chapter cost.
• Export any pool as a PDF report.
— LOG IN SECONDS —
• A fast keypad: amount, category, done — with a soft pour you can feel.
• Quick log: type or say "1,200 groceries yesterday" or "cement 24000 for home" — Ledger reads it and shows you before saving.
• Paste a bank SMS and Ledger reads the amount, merchant and date. Or let a Shortcuts automation log them as they arrive.
• Photograph a bill and Ledger reads its total, on your iPhone.
• Logged automatically? A small review inbox shows what came in — and spots a spend you'd already typed in.
• Ledger learns: change "Swiggy" to Dining once and it remembers.
• Note how you paid — cash, UPI, card or bank — and see the split each month.
• Siri: "Log an expense in Ledger".
• Rent, EMIs and salary as recurring entries, confirmed with one tap.
• Switching apps? Import a bank statement or another app's CSV — anything already in Ledger is skipped, and one tap undoes the import.
— ON YOUR HOME AND LOCK SCREEN —
• Widgets for your month and your current project — your regular spends, logged in one tap.
• A widget for the pool you choose, with its next payment.
• Ask Siri: "How much has The House cost in Ledger?" Find any pool in Spotlight.
• Lock Screen widgets, and a Control Center button that opens the keypad.
• Put a pool on your Lock Screen and Dynamic Island for a day out — a trip, a site visit.
— DEBTS, EMIs AND SPLITS —
• Money you've borrowed or lent, with EMI schedules, flat or reducing interest, and due-date reminders — kept out of your monthly spend.
• Split a trip or a dinner per person, per family, or by family size. Choose who paid, then share the settle-up on WhatsApp.
— BUILT FOR INDIA —
• ₹ first, with lakh and crore formatting.
• Spending abroad? Log it in its own currency at the rate your bank gave you.
— CALM BY DESIGN —
• Spending is never shown in alarm red. Ledger reflects; it never scolds.
• Monthly budgets by category, shown as what's left — never as a warning.
• Nothing went out today? Mark it a quiet day and the river runs still. No streaks, ever.
• A month recap, and a year in review — your year in two shapes — to look back on or share.
• Two looks: warm Deep Ink and neon Phantom.
— YOURS, PRIVATELY —
• Everything stays on your iPhone. No account. No ads. No tracking. We collect nothing.
• Voice, Quick log, bank messages and bill reading all run on your device. Ledger never reads your messages.
• Lock Ledger with Face ID; your numbers stay hidden in the app switcher.
• Full backup and CSV export, whenever you want them.
Ledger. For the month you're in — and the life you're building.
Ratings & Reviews
- This app has not received enough ratings or reviews to display an overview.
The developer, Krishna Desai, 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 Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Provider
- Krishna Desai
- Size
- 9.2 MB
- Category
- Productivity
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 KuberBudh