Ledger — Calm Money Tracker

Money has two shapes. There's the river — the monthly stream of what life costs. And there are the pools — the projects you pour into over months or years. A home build. A wedding. A renovation. A trip. Most money apps only show the river. Ledger shows both, kept separate — so "what has the house cost so far, and how much of that was cement?" is one tap away, without tangling up your monthly view. — YOUR MONTH AND YOUR PROJECTS — • The River: what this month cost, day by day and by category. • Pools: open one for any project. Every cost pours in, cumulatively. • See what's left of a budget — or how far past it you are — calmly. • Tap a category to see its sub-categories: Materials → Cement, Steel, Tiles. • Refunds reduce what the project cost. Track phases. See your pace. • Watch each pool fill like water. A quiet moment marks each phase finished and each quarter poured. • Give a pool a cover photo — the site, the venue, the beach. • Plan a project by category — Materials ₹12L, Labour ₹6L — and see each against its plan. • Upcoming payments for a pool, with a reminder on the day. One tap when it's paid pours it in. • Close a pool and it seals into a card: what that chapter cost. • Export any pool as a PDF report. — LOG IN SECONDS — • A fast keypad: amount, category, done — with a soft pour you can feel. • Quick log: type or say "1,200 groceries yesterday" or "cement 24000 for home" — Ledger reads it and shows you before saving. • Paste a bank SMS and Ledger reads the amount, merchant and date. Or let a Shortcuts automation log them as they arrive. • Photograph a bill and Ledger reads its total, on your iPhone. • Logged automatically? A small review inbox shows what came in — and spots a spend you'd already typed in. • Ledger learns: change "Swiggy" to Dining once and it remembers. • Note how you paid — cash, UPI, card or bank — and see the split each month. • Siri: "Log an expense in Ledger". • Rent, EMIs and salary as recurring entries, confirmed with one tap. • Switching apps? Import a bank statement or another app's CSV — anything already in Ledger is skipped, and one tap undoes the import. — ON YOUR HOME AND LOCK SCREEN — • Widgets for your month and your current project — your regular spends, logged in one tap. • A widget for the pool you choose, with its next payment. • Ask Siri: "How much has The House cost in Ledger?" Find any pool in Spotlight. • Lock Screen widgets, and a Control Center button that opens the keypad. • Put a pool on your Lock Screen and Dynamic Island for a day out — a trip, a site visit. — DEBTS, EMIs AND SPLITS — • Money you've borrowed or lent, with EMI schedules, flat or reducing interest, and due-date reminders — kept out of your monthly spend. • Split a trip or a dinner per person, per family, or by family size. Choose who paid, then share the settle-up on WhatsApp. — BUILT FOR INDIA — • ₹ first, with lakh and crore formatting. • Spending abroad? Log it in its own currency at the rate your bank gave you. — CALM BY DESIGN — • Spending is never shown in alarm red. Ledger reflects; it never scolds. • Monthly budgets by category, shown as what's left — never as a warning. • Nothing went out today? Mark it a quiet day and the river runs still. No streaks, ever. • A month recap, and a year in review — your year in two shapes — to look back on or share. • Two looks: warm Deep Ink and neon Phantom. — YOURS, PRIVATELY — • Everything stays on your iPhone. No account. No ads. No tracking. We collect nothing. • Voice, Quick log, bank messages and bill reading all run on your device. Ledger never reads your messages. • Lock Ledger with Face ID; your numbers stay hidden in the app switcher. • Full backup and CSV export, whenever you want them. Ledger. For the month you're in — and the life you're building.