# Ledger Budget Tracker — Simple budget & debt tracker

> Simple, private budget, debt, and savings tracker without bank linking. (iPhone/iPad app by Panneerselvam Chinnasamy.)

- Source: https://appshunter.io/ios/app/ledger-budget-tracker/id6787550306 (this page in markdown: same URL + `.md`)
- Developer: [Panneerselvam Chinnasamy](https://appshunter.io/developer/6787550308)
- Category: Finance, Productivity
- Price: Free
- Rating: 5.00/5 from 1 App Store ratings
- Age rating: 4+
- Requires: iOS 15.1 · 31 MB
- Languages: American English
- Released: 2026-07-09
- Data updated: 2026-07-20
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/ledger-budget-tracker/id6787550306/reviews.md

## What is Ledger Budget Tracker?

Ledger is a calm, focused way to see where your money goes — no bank
linking, no clutter, no ads.

Budget in envelopes. Set a monthly limit for each spending category and
watch it fill up as you log purchases. Get a gentle nudge at 85% and a clear
alert when you go over.

Pay down debt with intention. Track loans and credit cards side by side,
log payments, and get reminded 5 days before anything is due — plus a
heads-up if a card's utilization crosses 70% or 90%.

Save toward what matters. Set savings goals, watch your progress, and
add contributions whenever you have extra to put away.

See it all at a glance. A single overview screen shows your spending,
income, budgeted totals, and a category breakdown chart — the whole picture
in one look.

Private by design. Your data is yours: it's stored securely under your
own account, never sold, never shown to advertisers. Lock the app with Face
ID, Touch ID, fingerprint, or your device passcode so it stays private even
if someone picks up your phone.

No bank connections required. Every entry is yours to add — full
control, nothing synced automatically, nothing you didn't put there
yourself.

## Key features

- Envelope budgeting
- Debt tracking
- Savings goals
- Manual transaction logging
- Privacy controls
- Due date reminders


## Frequently asked questions about Ledger Budget Tracker

### Does Ledger Budget Tracker have ads?

No, Ledger Budget Tracker is completely ad-free. The description explicitly states 'no ads' and emphasizes a calm, focused user experience without advertisements.

### How secure is Ledger Budget Tracker?

Ledger Budget Tracker is designed with privacy in mind. Your data is stored securely under your own account and is never sold or shown to advertisers. You can also lock the app with biometric authentication or a passcode.

### Does Ledger Budget Tracker link to my bank accounts?

No, Ledger Budget Tracker does not link to bank accounts. All entries are manually logged by the user, giving you full control over your financial data and ensuring no automatic syncing.

### What devices does Ledger Budget Tracker support?

Ledger Budget Tracker is available on iPhone and iPod. It is designed for Apple mobile devices.

### How often is Ledger Budget Tracker updated?

The latest version, 1.1.0, was released on July 11, 2026, indicating recent activity. The app was initially released on July 9, 2026.

### What are the main features of Ledger Budget Tracker?

Ledger Budget Tracker allows you to budget in envelopes, track loans and credit cards, set savings goals, and view a financial overview on a single screen. It also provides gentle nudges and alerts for budget limits and debt utilization.

### What is the age rating for Ledger Budget Tracker?

Ledger Budget Tracker has an age rating of 4+. This indicates it is suitable for a wide range of users, including children, due to its non-sensitive content.

### What is the user sentiment for Ledger Budget Tracker?

Based on the provided data, Ledger Budget Tracker has a perfect rating of 5.0 stars from 1 rating, suggesting very positive initial user feedback.

## Version history (last 2 releases)

### 1.1.0 — 2026-07-11

A refreshed look and a few most-requested additions:

- All-new dark interface with a cleaner, modern design
- Pick any date when logging a transaction, not just today
- New 14-day spending trend chart on your Overview screen
- Fixed the header overlapping the status bar/notch on newer iPhones

### 1.0 — 2026-07-10

No release notes.

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*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 2026-07-20.*