# Smart Ledger: One-Line Budget — Fast, private expense tracking

> Fast, private expense tracking with multi-transaction entry and flexible budgeting. (iPhone/iPad app by 帆 李.)

- Source: https://appshunter.io/ios/app/smart-ledger-one-line-budget/id6803884159 (this page in markdown: same URL + `.md`)
- Developer: [帆 李](https://appshunter.io/developer/6803722783)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 26.0 · 12 MB
- Languages: Chinese (Simplified, China), Japanese, Chinese (Traditional, Taiwan), American English, Korean
- Released: 2026-09-02
- Data updated: 2026-09-23
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/smart-ledger-one-line-budget/id6803884159/reviews.md

## What is Smart Ledger?

Smart Ledger is a focused personal finance app that makes everyday bookkeeping faster and easier. Record one or multiple transactions in a single sentence, review the results, and save them together.
【Multiple Transactions in One Entry】
Enter “Lunch 20, coffee 30, taxi 10” and Smart Ledger separates the text into individual transactions for you to review and save.
【Fast, Focused Entry】
Record expenses and income with categories, dates, notes, and trips through a clear and efficient workflow.
【Today at a Glance】
See today’s spending, available budget, flexible funds, and recent activity in one place.
【Flexible Budgeting】
Daily Budget and Flexible Funds can be enabled independently. Simple progress indicators help you understand what has been spent and what remains.
【Bills and Search】
Browse transactions by date, type, or category, and use natural-language search to find relevant records.
【Clear Statistics】
Review weekly, monthly, and yearly trends, category breakdowns, and budget progress to better understand your spending.
【Recurring Transactions】
Manage regular income and expenses without repeatedly entering the same information.
【iCloud Sync】
Back up, restore, and sync your ledger data between supported iPhones using iCloud.
【Shortcuts】
On supported iPhone models, use Shortcuts and the Action button to recognize a payment screen and record it quickly. Other models can run the shortcut from the Shortcuts app.
【Privacy First】
Your ledger remains under your control. Shortcut screenshot recognition is performed on device, and iCloud sync is optional.
Smart Ledger turns everyday bookkeeping into a simpler, more natural habit—one line at a time.
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Multiple transactions in one entry
- Fast, focused expense and income recording
- Today's spending and budget overview
- Flexible daily and fund budgeting
- Natural-language search for transactions
- Weekly, monthly, and yearly statistics
- Recurring transaction management
- iCloud sync for data backup

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Smart Ledger Pro Yearly | $6.99 | per year |
| Smart Ledger Pro Monthly | $0.99 | per month |


## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/smart-ledger-one-line-budget/id6803884159/reviews.md

### 5/5 — 很好用

*2026-09-17*

是我用过最好用的记帐app，

**Developer response:** 感谢认可，一言记帐承诺永远无广告

### 5/5 — 方便，快捷，可控

*2026-09-03*

一次性多笔输入，自动分类入账！可设置每日预算金额，方便控制花销！最最实用的是快捷键自动识别入账！

## Frequently asked questions about Smart Ledger

### What is Smart Ledger?

Smart Ledger is a personal finance app designed for fast and private expense tracking. It allows users to enter multiple transactions in a single sentence, review spending, and manage budgets with clear statistics.

### How does Smart Ledger handle multiple transactions?

You can enter "Lunch 20, coffee 30, taxi 10" and Smart Ledger will automatically separate these into individual transactions for review and saving, simplifying data entry.

### What budgeting features does Smart Ledger offer?

Smart Ledger provides flexible budgeting options, including daily budgets and flexible funds that can be enabled independently. Simple progress indicators show spending against your budget.

### Is Smart Ledger secure and private?

Yes, Smart Ledger prioritizes privacy. Shortcut screenshot recognition is performed on-device, and iCloud sync is optional, ensuring your ledger data remains under your control.

### What are the subscription options for Smart Ledger Pro?

Smart Ledger Pro offers monthly and yearly subscription plans. The monthly plan is $0.99 and includes a 7-day free trial, while the yearly plan is $6.99 and also includes a 7-day free trial.

### Does Smart Ledger have ads?

No, Smart Ledger does not display advertisements. The app is free to use with optional in-app purchases for premium features.

### What devices does Smart Ledger support?

Smart Ledger is currently supported on iPhones. It utilizes iCloud sync for data backup and restoration between supported devices.

### How often is Smart Ledger updated?

The app was last updated on September 7, 2026, indicating regular maintenance and potential feature additions. The latest version available is 3.1.

## Version history (last 5 releases)

### 4.0 — 2026-09-21

What’s New in 4.0:

**One-Sentence Rules — Make everyday bookkeeping easier**

- Automatic tags: Say “Tag future Starbucks purchases as Coffee” to organize matching transactions.
- Spending alerts: Say “Remind me when I spend over 300 on coffee each month.” Supports monthly totals and individual purchases.
- Scheduled reminders: Say “Remind me to pay rent on the 10th of every month at 8 PM.”
- Recurring transactions: Say “Rent 2,000 on the 10th of every month” to schedule regular income or expenses.
- Adjust effective dates, preview changes to past transactions, and review rule activity with linked entries.

**Savings — Keep everyday spending and savings clear**

- Set a starting date and opening balance to track your savings.
- See your balance update based on income and expenses after your chosen date.
- Mark purchases as “Paid from Savings” to exclude them from your everyday budget and pocket money allowance.
- View your savings balance and this month’s spending from savings on the Home page.

Also includes usability improvements and bug fixes.

### 3.3 — 2026-09-13

What’s New in 3.3:

- Added support for iOS 27.
- Added voice input to record multiple expenses at once.
- Improved quick suggestions based on the time of day and your logging habits.
- Use arrows to browse heatmap date ranges, then slide across days to view spending with haptic feedback.
- Improved Statistics performance and scrolling smoothness.
- The calendar now closes automatically after you select a date.
- Improved one-tap merchant recognition and spending categorization.
- Refined Dark Mode backgrounds and text for more comfortable reading.
- Improved transaction titles and widget displays.
- Fixed bugs and improved overall stability.

### 3.2 — 2026-09-09

What’s New in Version 3.2

• New smart search: try “last month’s dining expenses” to find transactions more easily.
• Customize your theme color across the app.
• Redesigned category icons, more icons to choose from, and editable automatic icons.
• Account names and icons now appear in transaction details.
• Refined statistics layouts with better alignment and clearer display of large amounts.
• Improved sheet materials and interactions.
• Refined Lock Screen widgets and fixed the Control Center quick-entry shortcut.

### 3.1 — 2026-09-07

What’s New in Version 3.1

• Added support for importing WeChat Pay and Alipay transactions, making it easier to organize your income and expense history.
• Improved access to “Add Transaction” and enhanced date and trip recognition, so you can record multiple transactions in a single sentence.
• Refined the Statistics screen and spending heatmap for a clearer view of spending trends and budget status.
• Reorganized the Budget, Categories, Trips, and Local Backup screens to make settings more intuitive and easier to use.
• Improved the display of membership status and iCloud sync information.

### 3.0 — 2026-09-03

What’s New in Version 3.0

• Refreshed Home screen design  
• Added Home Screen and Lock Screen widgets  
• Added a new Spending Heatmap  
• Improved Statistics performance and interactions  
• Enhanced Traditional Chinese, Japanese, and Korean localization  
• Improved overall stability

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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 2026-09-23.*