# Ledger — Calm Money Tracker — Expenses, budgets & projects

> Expenses, budgets & projects (iPhone/iPad app by Krishna Desai.)

- Source: https://appshunter.io/ios/app/ledger-calm-money-tracker/id6796905803 (this page in markdown: same URL + `.md`)
- Developer: [Krishna Desai](https://appshunter.io/developer/1896516588)
- Category: Productivity, Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 17.0 · 9 MB
- Languages: American English
- Released: 2026-10-29
- Data updated: 2026-10-31

## What is Ledger?

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.

## Is Ledger safe?

Not enough ratings yet to assess Ledger.

## Is Ledger legit?

Ledger — Calm Money Tracker appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Ledger is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 1 release)

### 1.0 — 2026-10-29

No release notes.

## More apps by Krishna Desai

- [the worry jar](https://appshunter.io/ios/app/the-worry-jar/id6767879136)
- [Tend Garden](https://appshunter.io/ios/app/tend-garden/id6768056018)
- [QuietPage Journal](https://appshunter.io/ios/app/quietpage-journal/id6774216806)
- [Onward: One Vow](https://appshunter.io/ios/app/onward-one-vow/id6825297435)

All apps by Krishna Desai: https://appshunter.io/developer/1896516588

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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 2026-10-31.*