# Personal Ledger — Plan vs. actual money tracker > Plan vs. actual money tracker (iPhone/iPad app by Jad Salhani.) - Source: https://appshunter.io/ios/app/personal-ledger/id1125916600 (this page in markdown: same URL + `.md`) - Developer: [Jad Salhani](https://appshunter.io/developer/1056519699) - Category: Finance, Utilities - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 17.0 · 6 MB - Languages: American English, Arabic - Released: 2026-07-17 - Data updated: 2026-08-24 - User reviews in markdown: https://appshunter.io/ios/app/personal-ledger/id1125916600/reviews.md ## What is Personal Ledger? Personal Ledger keeps your monthly cashflow honest. Set a plan for what should come in and go out each month, then verify it against what actually happens — the way you would in a spreadsheet, without the spreadsheet work. PLAN VS. ACTUAL • Organize income, living expenses, liabilities, and investments the way you think about them • See at a glance which categories are on plan, ahead, or overspent • Plan health is pro-rated by day of month, so you don't get false alarms on the 3rd FAST LOGGING • Add a transaction in seconds • Log expenses straight from bank SMS notifications with a Shortcuts automation — parsed on your device BRING YOUR SPREADSHEET • Import your existing cashflow plan from an Excel workbook (.xlsx) • Your categories, planned amounts, and payment sources come across automatically THE FULL PICTURE • Monthly cashflow: active income minus expenses, with passive income tracked separately • Balance sheet with assets, liabilities, and net worth • Cashflow per payment source, so you know which account is bleeding PRIVATE BY DESIGN • All data stays on your iPhone — no account, no cloud, no tracking • No ads, no analytics, no third-party SDKs phoning home Built for people who already run their money on a spreadsheet and want the discipline without the drudgery. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Personal Ledger Pro | $24.99 | per year | | Personal Ledger Pro | $3.99 | per month | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Personal Ledger Pro — Lifetime | $99.99 | one-time | ## Version history (last 5 releases) ### v1.3.0 — 2026-08-22 NEW: THE APP NOW SPEAKS ARABIC The entire app: every screen, every label, right-to-left throughout, is now available in Arabic, the planning tools included: forecast, debt payoff and savings goals. If your iPhone is set to Arabic the app follows automatically; everyone else stays in English. You can also choose the language yourself in Settings › Appearance › Language, and the switch applies immediately, with no restart. Your data is yours in any language. Category names you typed or imported are never translated, and changing language never touches your numbers. NEW: APP CUSTOM CATEGORISATION AND LEARNING Pro users will now benefit from a new "Categorisations rules" section in the Settings Tab, where they can teach the app how to handle vendors and and specific transactions in categories they have created. In addition, the app learns from manual recategorisations from the transactions tab, making smarter the more the user uses it. BUG FIXES - The Monthly Cash Flow figure no longer shows green when your month is negative - "Erase all data" now erases all of it. Savings goals and recurring rules were being left behind - The text-message setup walkthrough now ends with a button that opens Shortcuts - The summary at the foot of the Plan tab used to show only what you had planned, three figures with nothing to check them against ### 1.2.1 — 2026-08-11 NEW: ASSETS THAT LOSE VALUE ON THEIR OWN A car doesn't hold its price, and until now the only way to say so was to remember to edit the number yourself, which nobody does, so net worth quietly drifts high. Open any asset under Net Worth, switch on "Loses value over time," and set how much it loses each month. The app writes it down once per cycle from then on, and shows you what it'll be worth in a year before you commit to a figure. You can still correct the value by hand whenever you like after a repair, or a proper valuation. It only affects net worth. Nothing is logged as an expense, because no cash actually leaves your account when a car ages. YOUR CURRENCY, WITHOUT THE SETUP STEP New installs now start in the currency of the region your iPhone is set to, instead of always starting in AED. The base currency list has grown to cover the Gulf and the wider region: AED, SAR, QAR, KWD, OMR, JOD and EGP, alongside USD, EUR and GBP. If you've already been using the app, nothing moves. Your base currency is only ever changed from Settings, where the app converts your existing transactions at today's rates before it switches. A BETTER INTRODUCTION New installs now get a short walkthrough before setup, covering the four things people were most likely to miss: comparing your plan against what actually happened, letting bank texts log transactions for you, tracking what you own and owe, and the fact that none of it leaves your phone. Four screens, skippable, and it doesn't appear if you're already set up. ### 1.2.0 — 2026-08-08 Personal Ledger Pro is here: four planning tools built on the plan you already import. • Cashflow forecast: Project your plan up to 24 months ahead and see where it lands. Every month opens up to show the exact amounts behind its total, so you can check the arithmetic rather than take it on trust. Find it at the bottom of the Plan tab. • Debt payoff planner: Enter each debt's rate and minimum, set what you can put toward debt each month, and get a real payoff date — plus what avalanche actually saves you over snowball. It shows its working. Find it under Net Worth. • Savings goals: Set a target and a date; see what to set aside each month. • Recurring transactions: Rent, salary and subscriptions log themselves. Create one from the + in Transactions. Pro is $3.99/month or $24.99/year. The annual plan is free for the first week; the monthly plan is $9.99 for the first three months. A one-off lifetime purchase is available if you'd rather not subscribe. FREE IN THIS RELEASE, FOR EVERYONE • Face ID and Touch ID app lock. Security is not something we'll sell you. The app-switcher preview is blanked as well, so your balances aren't sitting in the multitasking view. Your device passcode always works as a fallback, so a failed scan can never lock you out of your own data. • Text-message import now takes a keyword per bank, so cards at more than one bank all feed the same parser. Messages are still read entirely on your device with Apple Intelligence where it's available, and a local parser everywhere else. IF YOU WERE ALREADY USING PERSONAL LEDGER Pro is yours permanently, at no cost. You put real financial data into a free app before Pro existed, and taking features back would be a poor way to repay that. Nothing you had before is behind the paywall for you. ### 1.1.0 — 2026-07-28 Track by your pay cycle, not the calendar Set your salary day in Settings and the whole app re-frames around it — your dashboard and plan now run from payday to payday, so end-of-month income lines up with the spending it actually funds. (Leave it on day 1 to keep classic calendar months.) Quick add from the dashboard Log a transaction right from the home screen — no more jumping to the Transactions tab. See your planned cashflow at a glance The Plan tab now shows your planned income, expenses, and net cashflow for the cycle at the bottom, so you can sanity-check your numbers as you edit them. Smarter progress colors Paying down debt or investing more than planned no longer shows up as a red "overspend" — those are good things, and they're now marked as on track. Only living expenses over budget stay flagged. Small fixes Added a "Done" button above the keyboard when entering amounts and names, so number pads are easy to dismiss. ### 1.0.2 — 2026-07-19 Multicurrency support is here. • Log a transaction in any currency, AED, USD, EUR, GBP, SAR or LBP, right from the amount screen, with a live preview of the converted amount before you save. • Your original amount and currency are always kept. Each foreign transaction shows what you actually spent alongside the converted figure. • Switch your base currency anytime in Settings and your whole history re-converts at today's rates, losslessly, so switching back restores your exact original numbers. • Logged something offline? It's saved in the original currency and converts automatically the next time the app has a connection. • Bank SMS alerts in a foreign currency are now recognized and converted, instead of being logged as a bare number. Rates update daily. As always, all your data stays on your device. ## More apps by Jad Salhani - [Drinkemist](https://appshunter.io/ios/app/drinkemist/id1517218965) - [Sigma Fitness](https://appshunter.io/ios/app/sigma-fitness/id6761053962) All apps by Jad Salhani: https://appshunter.io/developer/1056519699 --- *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.*