# GhostLedger — Your Financial Spirit Guide

> AI-powered expense tracking, subscription detection, and financial insights with on-device privacy. (iPhone/iPad app by Matthew Elliott.)

- Source: https://appshunter.io/ios/app/ghostledger/id6747046603 (this page in markdown: same URL + `.md`)
- Developer: [Matthew Elliott](https://appshunter.io/developer/1815549651)
- Category: Finance, Productivity
- Price: $9.99
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.0 · 11 MB
- Languages: American English
- Released: 2025-06-17
- Data updated: 2026-06-07
- Monetization: paid
- User reviews in markdown: https://appshunter.io/ios/app/ghostledger/id6747046603/reviews.md

## What is GhostLedger?

•	Scan Receipts – Instantly log expenses with built-in OCR
	•	Ghost Charge Detection – Uncover forgotten subscriptions, fees, and silent recurring charges
	•	AI Financial Insights – Connect OpenAI or Claude to ask smart questions like:
“How much did I spend on groceries this month?”
	•	Import Bank Statements – Upload CSV, OFX, or PDF files and review before importing
	•	Track & Organize – View and filter transactions by account, category, or type
	•	Budgets & Goals – Set monthly budgets and visualize progress
	•	iOS 26 Liquid Glass Support – Experience next-gen theming with stunning new UI styles
	•	Custom Themes – Choose from spiritual, dark, neon, or light styles
	•	Private by Design – No ads. No tracking. Your data stays securely on-device or in iCloud

Privacy Policy: https://www.freeprivacypolicy.com/live/d37c7e8e-2592-4068-8708-daec6bbdc508
Apple Privacy Policy: https://www.apple.com/legal/privacy/en-ww/

## Key features

- Receipt scanning with OCR
- Ghost charge detection
- AI financial insights
- Bank statement import
- Transaction tracking and filtering
- Budget and goal setting
- Customizable themes

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/ghostledger/id6747046603/reviews.md

### 5/5 — Fantastic App

*2025-06-23*

This does exactly what I need and is really easy to use. Being able to scan a receipt to have the amount automatically deduct from your account is great!

## Frequently asked questions about GhostLedger

### What is GhostLedger?

GhostLedger is a personal finance application designed to help users track expenses, identify recurring charges, and gain insights into their spending habits using AI. It offers features like receipt scanning and bank statement import for comprehensive financial management.

### How much does GhostLedger cost?

GhostLedger is a paid application, priced at $9.99. This one-time purchase grants access to all its features for managing your finances.

### Is GhostLedger secure?

Yes, GhostLedger is designed with privacy in mind. It states that your data stays securely on-device or in iCloud, with no ads or tracking. This approach aims to protect your sensitive financial information.

### What devices does GhostLedger support?

GhostLedger is available for iPhone and iPad devices. It is compatible with iOS 26 and supports next-gen theming for a modern user experience.

### How often is GhostLedger updated?

The latest version of GhostLedger is 3.0, and it was last updated on January 12, 2026. This indicates a recent update, suggesting ongoing development and support for the application.

### Can I import my bank statements into GhostLedger?

Yes, GhostLedger allows you to import bank statements. You can upload files in CSV, OFX, or PDF formats and review them before they are added to your transaction history.

### Does GhostLedger have ads?

No, GhostLedger is ad-free. The application emphasizes its 'Private by Design' approach, which includes having no advertisements to ensure an uninterrupted user experience.

### What kind of financial insights does GhostLedger offer?

GhostLedger leverages AI, connecting with services like OpenAI or Claude, to provide smart financial insights. You can ask questions such as 'How much did I spend on groceries this month?' to understand your spending patterns.

## Version history (last 5 releases)

### 3.0 — 2026-01-12

What’s New in GhostLedger

Insights 2.0 Dashboard
	•	A redesigned Insights experience with a modern, glass-style layout.
	•	Faster, clearer visibility into spending patterns and unusual activity.

New Drill-Down Views
	•	Tap into Spikes, Recurring, and Anomalies to see detailed breakdowns and the exact transactions behind each insight.
	•	Quickly jump from Insights straight into filtered History.

Insights 2.1 Controls and Settings
	•	Fine-tune Insights with adjustable sensitivity controls:
	•	Spike threshold
	•	Anomaly threshold
	•	Include/exclude transfers
	•	Reduce noise over time with built-in feedback:
	•	Exclude merchants
	•	Whitelist merchants
	•	Mark merchants as not recurring
	•	Ignore specific anomalies

Improved Import and History Reliability
	•	Smoother statement import flow and more consistent ordering.
	•	Transaction history is now more deterministic, keeping the newest items reliably at the top.

Local AI Support (LM Studio Compatible)
	•	Optional local model support for privacy-focused AI features.
	•	Works with OpenAI-compatible local servers (including LM Studio), including Cloudflare tunnel setups.

Swift 6 Stability Improvements
	•	Updated concurrency wiring to improve responsiveness and prevent background-thread issues during imports and AI processing.

### 2.0 — 2025-08-12

•	iOS 26 Liquid Glass support with updated visuals
	•	Improved receipt scanning with more accurate OCR
	•	Enhanced file importing with PDF and better parsing
	•	Smarter AI responses from OpenAI and Claude
	•	New Budgets feature to track spending by category
	•	Better detection of recurring ghost charges
	•	Refined themes including dark, neon, and light
	•	General performance improvements and bug fixes

### 1.4 — 2025-07-22

Added Onboarding
Transactions are now descending from newest to oldest
Swipe to change accounts instead of drop-down list

### 1.2 — 2025-06-23

Minor UI Changes

### 1.0 — 2025-06-17

No release notes.

## Apps similar to GhostLedger

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Coign Mobile](https://appshunter.io/ios/app/coign-mobile/id1616025345) | 4.0 (163) | Free | Finance |
| [BCU Mobile Banking](https://appshunter.io/ios/app/bcu-mobile-banking/id1133974972) | 4.9 (92,628) | Free | Finance |
| [3Rivers Mobile Banking](https://appshunter.io/ios/app/3rivers-mobile-banking/id998643016) | 4.8 (19,299) | Free | Finance |
| [Aspire Account Center](https://appshunter.io/ios/app/aspire-account-center/id1459766573) | 2.3 (78) | Free | Finance |
| [Abacus for Firefly III](https://appshunter.io/ios/app/abacus-for-firefly-iii/id1627093491) | 4.9 (41) | Free | Finance |
| [MyFinancial](https://appshunter.io/ios/app/myfinancial/id1545401235) | 4.9 (7,697) | Free | Finance |

## More apps by Matthew Elliott

- [Lexora](https://appshunter.io/ios/app/lexora/id6746369347)
- [BookGlass](https://appshunter.io/ios/app/bookglass/id6749909105)
- [ForgeFlow](https://appshunter.io/ios/app/forgeflow/id6751447153)
- [NodeSpark](https://appshunter.io/ios/app/nodespark/id6756223114)
- [Write JSON](https://appshunter.io/ios/app/write-json/id6757762427)

All apps by Matthew Elliott: https://appshunter.io/developer/1815549651

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-07.*