ShardSpend

ShardSpend is a personal ledger for iPhone and iPad. Write down a spend or a bit of income when it happens, then see the month, set category budgets, and keep the books on this device. WHAT YOU CAN DO • Ledger — record expense or income with amount, category, payment method, note, and time. Search a month, edit a row, or swipe to repeat the last entry. • Month — net, in, and out, a day-by-day spend chart, and a breakdown by category. Compare this month with the last one. • Budgets — set a monthly cap per category. Bars fill as expenses land. Optional on-device alerts fire once when a category goes over its cap. • Recurring bills — save rent, subscriptions, and other rhythms. ShardSpend posts due entries when you open the app. • Export — share a CSV from Settings when you want a copy elsewhere. ON THIS DEVICE There is no ShardSpend account and no ShardSpend server. Entries, budgets, and currency live in on-device storage. Uninstalling the app deletes the ledger. NOT ADVICE ShardSpend is a personal ledger. It is not tax, investment, accounting, or banking advice. It does not connect to your bank and it does not move money.