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Ledger — 50/30/20

Ledger — 50/30/20

Simple 50/30/20 Budgeting

3 ratings
2 reviews
🔧 Utilities
💰 Finance
$0.99

Details

  • Released
  • Updated

Developer

Anthony Stacy
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About

A private budgeting app that uses the 50/30/20 rule to categorize income into Needs, Savings, and Wants. It offers on-device AI for transaction logging and syncs via iCloud, keeping your financial data secure and accessible.

✓50/30/20 budgeting rule
✓Customizable income categories
✓On-device AI transaction logging
✓Private, no account required
✓iCloud sync
✓Widgets for iPhone and iPad
✓Data export (JSON/CSV)
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What's New in Ledger

1.1

July 9, 2026

Redesigned Budget header, faster iCloud sync, smarter search, and polish throughout. Some UI improvements (animations on "Insights") as well. More features are in the works!

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User reviews

Most RecentHighest RatedLowest Rated

Ledger helped me pay down my debt!

Ledger was easy to use and you don’t have to link financial info which is huge. It also has a talk to text feature so you can add purchases immediately after by just talking in the app so you don’t forget or have to look through your bank apps later! Highly recommend!!
cilensti6cilensti6

Perfect!

This is exactly what I was looking for. No accounts, no online connections, one time fee and simple and clean UI. It should get a 6/5 stars.
One-Zero-SixOne-Zero-Six

Response from developer

Thank you so much for the positive feedback! More improvements are in the works. If you ever have any other feedback, feel free to pass it along! Thanks for purchasing, A

FAQ

What is the 50/30/20 rule in Ledger?

Ledger uses the 50/30/20 rule to help you budget. It automatically splits your income into 50% for Needs, 30% for Wants, and 20% for Savings. You can also customize these percentages to better fit your personal financial goals.

How does Ledger ensure privacy?

Ledger is designed for privacy with no account, sign-in, ads, tracking, or analytics. Your data is stored only on your device and syncs via your own iCloud. It also offers optional Face ID or biometric lock for added security.

Can I log transactions with voice in Ledger?

Yes, Ledger features an on-device AI command bar. You can type commands like 'spent $40 on groceries and $12 on coffee,' and Ledger will process and add these transactions entirely on your device.

What devices does Ledger support?

Ledger offers native apps for iPhone, iPad, Mac, and Apple Vision Pro, ensuring you can manage your budget across your Apple ecosystem. Home Screen and Lock Screen widgets are also available for quick budget checks.

How often is Ledger updated?

Ledger was last updated on July 9, 2026, with version 1.1. The app is actively maintained, suggesting regular updates to improve features and ensure compatibility.

What is the price of Ledger?

Ledger is a paid app, available for a one-time purchase of $0.99. This price grants you access to all its features without any ongoing subscription fees or in-app purchases.

Can I export my financial data from Ledger?

Yes, Ledger allows you to export your data at any time. You can choose to export your budgeting information in either JSON or CSV format, providing flexibility for further analysis or backup.

Does Ledger have ads?

No, Ledger is ad-free. The app's description explicitly states 'no ads,' ensuring a clean and uninterrupted budgeting experience for users.