# Ledgewise: Budget Debt Payoff — Envelope & Snowball Planner

> Envelope & Snowball Planner (iPhone/iPad app by Robert Afanu.)

- Source: https://appshunter.io/ios/app/ledgewise-budget-debt-payoff/id6820984692 (this page in markdown: same URL + `.md`)
- Developer: [Robert Afanu](https://appshunter.io/developer/471784592)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.1 · 43 MB
- Languages: American English
- Released: 2026-10-22
- Data updated: 2026-10-25

## What is Ledgewise?

Find your debt-free date. No spreadsheets, no shame.

Ledgewise is an envelope budget built around a debt payoff engine. Tell it what you owe and what you can pay each month, and you get a date. Then it helps you move that date closer, one envelope at a time.

ENVELOPE BUDGETING
Give every dollar of income a job: Rent, Groceries, Gas, Fun. Each envelope shows what you budgeted, what you've spent and what's left, so you feel it the moment one runs out. "Ready to assign" always shows the money you haven't given a job yet.

DEBT PAYOFF ENGINE
Add your credit cards and loans with their balances, rates and minimums. Choose snowball (smallest balance first) or avalanche (highest rate first) and see your exact debt-free date, the interest you'll pay, and how much sooner an extra payment gets you there. Every spare dollar gets a target, so you always know which creditor to pay next.

BANK SYNC
Connect your accounts securely through Plaid. Transactions arrive on their own, pre-sorted into envelopes. Review and confirm in seconds. Bank access is read-only: Ledgewise can never move your money.

STATEMENT IMPORT
Bank won't connect? Upload a PDF or CSV statement and Ledgewise reads the transactions for you. You review everything before it's saved.

60-DAY BALANCE FORECAST
See your balance projected 60 days ahead, using your recurring bills and your current spending pace.

AUTOPILOT
Ledgewise spots your recurring bills and subscriptions so your envelopes and forecast stay current without manual upkeep.

A PLAN, NOT A LECTURE
No scolding, no streak guilt. Ledgewise is not a lender and not a bank. It doesn't sell loans or move money, and it never shames a bad month.

Terms of Use: https://ledgewise.app/terms
Privacy Policy: https://ledgewise.app/privacy

Ledgewise provides budgeting and payoff estimates, not financial advice. Estimates assume fixed rates, no new charges and an on-time payment every month.

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Ledgewise Premium Monthly | $13.99 | per month |
| Ledgewise Premium Annual | $99.99 | per year |


## Is Ledgewise safe?

Not enough ratings yet to assess Ledgewise.

## Is Ledgewise legit?

Ledgewise: Budget Debt Payoff appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Ledgewise is 75 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 1 release)

### 1.0 — 2026-10-23

No release notes.

## More apps by Robert Afanu

- [Account Monitor](https://appshunter.io/ios/app/account-monitor/id471784589)
- [Space Racing](https://appshunter.io/ios/app/space-racing/id534527935)
- [HAW](https://appshunter.io/ios/app/haw/id720611163)
- [Flarewise: Menopause Tracker](https://appshunter.io/ios/app/flarewise-menopause-tracker/id6782384555)
- [Lullwise: Baby Feed & Nap Log](https://appshunter.io/ios/app/lullwise-baby-feed-and-nap-log/id6784875616)

All apps by Robert Afanu: https://appshunter.io/developer/471784592

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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 2026-10-25.*