Ledger: Pay Cycle Planner
Bills, savings and what’s left
Free · In‑App Purchases
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
Your Ledger account
• Create or sign in to a Ledger account to use Ledger
• Sign in with Apple, email and password, or a passkey
• Use your Ledger across supported iPhone, iPad and Mac apps
• Ledger for Web coming soon so you can manages your budget wherever works for you
Go further with Ledger Pro
• Add more income streams, Savings pockets, allocations and payment plans
• Create custom categories that fit the way you plan
• Defer eligible payments when plans change
• Roll over unused account balances into the next pay cycle
• Plan with more flexibility as your Ledger grows
Terms of Use: https://useledger.co/terms/
Privacy Policy: https://useledger.co/privacy/
Ledger 1.3.0 brings account-based planning and cross-device access to Ledger.
• Current users can migrate an existing local Ledger profile to a Ledger account
• Use Ledger across iPhone, iPad and Mac
• Defer eligible payments and roll over unused account balances with Ledger Pro
• Improved annual outlooks, pay-cycle calculations, overdue states, reminders and account summaries
This release also includes performance improvements and fixes across Home, Income, Outlook, Plans and Settings.
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 Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Financial Info
- Contact Info
- User Content
- Identifiers
- Diagnostics
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Usage Data
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- MATTHEW S DAIS
- Size
- 23.3 MB
- Category
- Finance
- Compatibility
Requires iOS 18.6 or later.
- iPhone
Requires iOS 18.6 or later. - iPad
Requires iPadOS 18.6 or later. - Mac
Requires macOS 15.6 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Ledger Pro Monthly $3.99
- Ledger Pro Lifetime $59.99
- Ledger Pro Annual $29.99
- Copyright
- © 2026 Use Ledger