Ledgewise: Debt Payoff Budget

Envelope, Snowball & Avalanche

Free · In‑App Purchases · Designed for iPad. Not verified for macOS.

Find your debt-free date in seconds. Budget every dollar with envelopes, compare snowball vs avalanche, and see how much sooner one extra payment gets you there. Find your debt-free date. No spreadsheets, no shame. Ledgewise is an envelope budget built around a debt payoff engine. Tell it what you owe and what you can pay each month, and you get a date. Then it helps you move that date closer, one envelope at a time. ENVELOPE BUDGETING Give every dollar of income a job: Rent, Groceries, Gas, Fun. Each envelope shows what you budgeted, what you've spent and what's left, so you feel it the moment one runs out. "Ready to assign" always shows the money you haven't given a job yet. DEBT PAYOFF ENGINE Add your credit cards and loans with their balances, rates and minimums. Choose snowball (smallest balance first) or avalanche (highest rate first) and see your exact debt-free date, the interest you'll pay, and how much sooner an extra payment gets you there. Every spare dollar gets a target, so you always know which creditor to pay next. BANK SYNC Connect your accounts securely through Plaid. Transactions arrive on their own, pre-sorted into envelopes. Review and confirm in seconds. Bank access is read-only: Ledgewise can never move your money. STATEMENT IMPORT Bank won't connect? Upload a PDF or CSV statement and Ledgewise reads the transactions for you. You review everything before it's saved. 60-DAY BALANCE FORECAST See your balance projected 60 days ahead, using your recurring bills and your current spending pace. AUTOPILOT Ledgewise spots your recurring bills and subscriptions so your envelopes and forecast stay current without manual upkeep. A PLAN, NOT A LECTURE No scolding, no streak guilt. Ledgewise is not a lender and not a bank. It doesn't sell loans or move money, and it never shames a bad month. FREE AND PREMIUM Free forever: up to 5 envelopes, manual transactions, the budget dashboard and a debt tracker for balances, rates and minimums. Ledgewise Premium unlocks unlimited envelopes, the snowball and avalanche payoff engine, bank sync, statement import, the 60-day forecast and Autopilot. • Monthly and yearly plans. Current prices are shown on the App Store. • Both start with a 7-day free trial for new subscribers. Cancel before it ends and you pay nothing. • Payment is charged to your Apple ID account at confirmation of purchase, or at the end of the free trial. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your Apple ID account settings. Any unused part of a free trial is forfeited when you subscribe. Terms of Use: https://ledgewise.app/terms Privacy Policy: https://ledgewise.app/privacy Ledgewise is built for the US: English, US dollars and US banks. Ledgewise provides budgeting and payoff estimates, not financial advice. Estimates assume fixed rates, no new charges and an on-time payment every month.

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Performance and stability improvements.

Version 1.0.2

The developer, Robert Afanu, 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
    • Identifiers
    • Usage Data

  • Data Not Linked to You

    The following data may be collected but it is not linked to your identity:

    • Identifiers

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

The developer has not yet indicated which accessibility features this app supports. Learn More

Information

Seller
Robert Afanu
Size
45.2 MB
Category
Finance
Compatibility
Requires iOS 15.1 or later.
  • iPhone
    Requires iOS 15.1 or later.
  • iPad
    Requires iPadOS 15.1 or later.
  • iPod touch
    Requires iOS 15.1 or later.
  • Mac
    Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
  • Apple Vision
    Requires visionOS 1.0 or later.
Languages
English
Age Rating
4+
In-App Purchases
Yes
  • Ledgewise Premium Annual $99.99
  • Ledgewise Premium Monthly $13.99
  • Learn More
Copyright
© 2026 Ledgewise
  • Developer Website
  • Privacy Policy

    • More by Robert Afanu