# Ledger — 50/30/20 — Simple 50/30/20 Budgeting > Private 50/30/20 budgeting app with on-device AI and iCloud sync. (iPhone/iPad app by Anthony Stacy.) - Source: https://appshunter.io/ios/app/ledger-503020/id6782431175 (this page in markdown: same URL + `.md`) - Developer: [Anthony Stacy](https://appshunter.io/developer/6782431177) - Category: Finance, Utilities - Price: $0.99 - Rating: 5.00/5 from 3 App Store ratings · 2 written reviews indexed - Age rating: 4+ - Requires: iOS 18.0 · 2 MB - Languages: American English - Released: 2026-07-06 - Data updated: 2026-07-21 - Monetization: paid - User reviews in markdown: https://appshunter.io/ios/app/ledger-503020/id6782431175/reviews.md ## What is Ledger? Ledger is a calm, private way to budget with the proven 50/30/20 rule. Your income splits into three simple categories: Needs, Savings, and Wants. Ledger shows you exactly where you stand at a glance. No spreadsheets, no bank logins, no clutter. BUILT ON 50/30/20 • Set your monthly income and let Ledger split it into Needs (50%), Savings (20%), and Wants (30%) - or customize the percentages to fit your goals. • Watch each bucket fill as you log spending, with clear "remaining" and "over budget" cues. • Close out each month and start fresh; past months stay archived. PRIVATE BY DESIGN • No account, no sign-in, no ads, no tracking, no analytics. • Your data lives on your device and syncs through your own iCloud. No one but you sees it. • Optional Face ID or supported biometric lock. • Apple Intelligence on device processing, your data doesn't leave your device. EVERYWHERE YOU ARE • Native apps for iPhone, iPad, Mac, and Apple Vision Pro. • Home Screen and Lock Screen widgets for a glance at what's safe to spend. • Quick-add with Siri, the Action Button, and Shortcuts. THOUGHTFUL TOUCHES • An on-device AI command bar: type "spent $40 on groceries and $12 on coffee" and Ledger adds the transactions - processed entirely on your device. • Budget alerts when a bucket nears or passes its limit. • Beautiful themes with full Light and Dark Mode support. • Export your data anytime as JSON or CSV. Ledger isn't trying to connect to your bank, run ads, etc. It's a simple, honest tool to help you spend with intention. ## Key features - 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) ## Recent user reviews (2 of 2) All indexed reviews: https://appshunter.io/ios/app/ledger-503020/id6782431175/reviews.md ### 5/5 — Ledger helped me pay down my debt! *2026-07-08* 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!! ### 5/5 — Perfect! *2026-07-07* 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. **Developer response:** 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 ## Frequently asked questions about Ledger ### 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. ## Version history (last 3 releases) ### 1.1 — 2026-07-09 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! ### 1.0.1 — 2026-07-07 Bug fixes and stability improvements across the board. Some UI polish as well, specifically on the main Budget page. More features are in the works! ### 1.0 — 2026-07-06 No release notes. --- *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 2026-07-21.*