CalmLedger

Stay Financially Calm. Even When Money Gets Complicated. CalmLedger is a predictive budgeting app designed to help you prevent financial surprises before they happen. Instead of just tracking expenses, CalmLedger analyzes your financial behavior, forecasts risk, and gives you a clear Stability Score so you always know where you stand. See Problems Before They Happen • Budget exhaustion forecasting • Risk level detection (Low → Critical) • Installment impact forecasting • Trend memory across months • Daily financial stability tracking CalmLedger doesn’t just show what you spent. It shows where you’re heading. Financial Stability Index Your Stability Score combines: • Risk exposure • Installment burden • Spending trend slope • Days until projected exhaustion The result? A single number that reflects your financial position in real time. Track improvements with a 30-day history chart and stay ahead of instability. Smarter Spending Decisions Simulate changes before you make them: • Reduce dining by 20% • Offset installment pressure • Test what-if scenarios See how decisions affect your future stability instantly. Installment Tracking Built Right CalmLedger treats installments as structured obligations: • Automatic monthly payments • Remaining balance tracking • End-date awareness • Forecast integration Know exactly how fixed commitments impact your financial health. Intelligent Financial Insights Premium users unlock AI-powered coaching: • Clear explanations of your Stability Score • Context-aware financial insights • Personalized risk commentary All built with privacy-first architecture. Free vs Pro Free: • Expense tracking • Budget overview • Basic stability score • 7-day history Pro: • Advanced Stability breakdown • Risk forecasting • Installment projection • Behavioral simulations • 30-day stability history • AI insights Start with a 7-day free trial. Designed for Clarity • Clean, calm interface • No clutter • No ads • No financial jargon CalmLedger helps you stay in control without stress. SUBSCRIPTION INFORMATION CalmLedger Pro unlocks advanced budgeting features including: • AI-powered spending insights and smart suggestions • Budget stability forecasting and risk prediction • Installment planning and long-term obligation tracking • Advanced analytics and spending pattern analysis • iCloud budget sharing with family members • Unlimited budgets and categories PRICING & PLANS • Monthly Subscription: $4.99/month with 14-day free trial • Yearly Subscription: $39.99/year with 14-day free trial (Best Value - Save 33%) Both plans include a 14-day free trial. After the trial ends, you will automatically be charged the subscription price unless you cancel at least 24 hours before the trial period ends. AUTO-RENEWAL & CANCELLATION Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period. Your Apple ID account will be charged for renewal within 24 hours prior to the end of the current period. You can manage your subscription and turn off auto-renewal at any time by going to your Account Settings in the App Store after purchase. Cancellation takes effect at the end of the current billing period. PRIVACY & TERMS All your financial data stays private on your device. We never see your budgets, expenses, or spending information. Privacy Policy: https://3nsofts.com/calmledger/privacy Terms of Service: https://3nsofts.com/calmledger/terms