# Ledger: Pay Cycle Planner — Bills, savings and what’s left

> Personal finance planner organized around your pay cycle. (iPhone/iPad app by MATTHEW S DAIS.)

- Source: https://appshunter.io/ios/app/ledger-pay-cycle-planner/id6774223080 (this page in markdown: same URL + `.md`)
- Developer: [MATTHEW S DAIS](https://appshunter.io/developer/6774223082)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 15 MB
- Languages: American English
- Released: 2026-07-13
- Data updated: 2026-08-24
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/ledger-pay-cycle-planner/id6774223080/reviews.md

## What is Ledger?

Life doesn't follow a monthly schedule.

Rent, groceries, subscriptions, payment plans and unexpected expenses rarely line up neatly. Ledger is designed around your pay cycle, helping you see what's coming in, what's due, what's being set aside and what's left before your next payday.

Whether you're paid weekly, fortnightly or monthly, Ledger brings your income, expenses, savings and future commitments into one clear plan, without the complexity of a traditional monthly budget.

Plan around your pay cycle

• Build your plan around weekly, fortnightly or monthly pay cycles
• Add salary, hourly, casual and variable income
• Set custom base, penalty, overtime, weekend, evening, public holiday or fixed hourly rates
• Log hours against each rate and see your estimated gross pay update
• Manage multiple income streams in one place
• Link taxable incoming adjustments, such as bonuses, to the income stream they were paid with
• View Australian tax estimates for each taxable income stream and taxable incoming adjustment

Estimated tax only. Not financial or tax advice.

Stay ahead of expenses

• Track recurring and one-off expenses
• See bills, subscriptions and payment plans in the pay cycle they belong to
• Mark expenses as paid or defer them when plans change
• Set reminders for upcoming payments and choose when Ledger notifies you
• Review daily reminders in Inbox and open payment details directly
• Keep future payments visible before they catch you off guard

Organise what you're setting aside

• Set aside money in custom allocation pockets
• Create Savings pockets with optional target amounts and dates
• Plan regular contributions, add extra savings and track withdrawals or adjustments
• Adjust a planned contribution for one pay cycle without changing the regular plan
• Optionally track spending within each allocation while keeping the focus on your wider plan
• See how expenses, allocations and savings affect what you'll have left

Designed for clarity

Ledger is a pay-cycle planning space for understanding what's coming in, what's due, what's being set aside and what remains before payday.

There is no need to connect your bank or turn every purchase into a transaction to categorise. Ledger keeps the focus on the bigger picture, so you can plan ahead without adding more financial noise.

Terms of Use: https://useledger.co/terms/
Privacy Policy: https://useledger.co/privacy/

## Key features

- Pay cycle planning (weekly, fortnightly, monthly)
- Multiple income stream management
- Recurring and one-off expense tracking
- Custom allocation pockets for savings
- Privacy-focused with no bank connections
- Clear financial overview before payday

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Ledger Pro Monthly | $3.99 | per month |
| Ledger Pro Annual | $29.99 | per year |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/ledger-pay-cycle-planner/id6774223080/reviews.md

### 5/5 — Phenomenal!

*2026-07-14*

I’ve always been someone who just winged it on when things were due and struggled afterwards but since using Ledger things have been so much more organised and less chaotic. It’s been so straightforward to use and definitely user friendly by breaking down everything to read simply. I wish I could rate this higher as it has become such an integral part of my day to day life.

## Frequently asked questions about Ledger

### What is Ledger's pricing structure?

Ledger is free to download and use. It offers optional subscription plans for advanced features: Ledger Pro Monthly at $3.99 and Ledger Pro Annual at $29.99.

### Does Ledger have ads?

No, Ledger is ad-free. It focuses on providing a clean and uninterrupted financial planning experience for users.

### What devices does Ledger support?

Currently, Ledger is available on iPhone. Support for other devices may be added in future updates.

### How does Ledger handle my financial data?

Ledger prioritizes privacy by not requiring bank connections. Your financial data is securely stored using your personal iCloud account.

### Can I track different types of income with Ledger?

Yes, Ledger supports salary, hourly, and variable income. It also includes flexible tax calculations with per-income settings.

### How often is Ledger updated?

Ledger was last updated on July 13, 2026, with version 1.0.0. Future updates will likely occur to introduce new features and improvements.

### What age rating does Ledger have?

Ledger has an age rating of 4+, making it suitable for a wide range of users interested in personal finance management.

### Can I defer expenses if my plans change in Ledger?

Yes, Ledger allows you to mark expenses as paid or defer them if your plans change. This flexibility helps you stay organized with your financial commitments.

## Version history (last 5 releases)

### 1.2.2 — 2026-08-20

- Ledger Pro is now available as a one-time purchase with lifetime access.
- Creating payment plan schedules is now smoother and more responsive.

### 1.2.1 — 2026-08-17

• New guided set up flow created for new app users
• Bold font issue fixed up to keep Ledger looking nice

### 1.2.0 — 2026-08-15

Ledger 1.2.0 gives you more control over your income management and planning.

• Add custom penalty, overtime, weekend, evening, public holiday or fixed hourly rates, then log hours against each rate.
• Link taxable incoming adjustments, such as bonuses, to the income stream they were paid with so tax estimates reflect the combined pay.
• Includes some UX/UI reliability improvements.

Ledger calculates from the rates, hours and adjustment details you enter. It does not determine awards, employment conditions, payroll entitlements or the correct rate for a workplace.

Estimated tax only. Not financial or tax advice.

### 1.1.2 — 2026-08-09

Minor UI improvements

### 1.1.1 — 2026-08-09

Minor bug fix to ensure reminder notifications flow smoothly.

## Apps similar to Ledger

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [smartCent Go](https://appshunter.io/ios/app/smartcent-go/id6738227167) | — | Free | Finance |
| [Winnie: Savings Goal Tracker](https://appshunter.io/ios/app/winnie-savings-goal-tracker/id6759258902) | 5.0 (3) | Free | Finance |
| [Clarofi](https://appshunter.io/ios/app/clarofi/id6787700175) | — | Free | Finance |
| [simplsaver - budget better](https://appshunter.io/ios/app/simplsaver-budget-better/id6444831133) | 3.0 (2) | Free | Finance |
| [RAYN: Calm Debt Tracker](https://appshunter.io/ios/app/rayn-calm-debt-tracker/id6756639303) | 1.0 (1) | Free | Finance |
| [Budget Tracker : DoshMngr](https://appshunter.io/ios/app/budget-tracker-doshmngr/id6756783836) | — | Free | Finance |

---

*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 2026-08-24.*