UpLedger is a private money manager built around one clear rule: a captured entry is not a recorded entry until you approve it.
Capture expenses and income by hand, text, voice or receipt. Every capture becomes a reviewable draft, so you can check the amount, account, category and date before it reaches your ledger.
The UpLedger workflow keeps a visible decision trail: capture what happened, correct what needs attention, approve the entry and use the resulting ledger to plan what comes next.
Why UpLedger
• Capture transactions quickly from iPhone, iPad, Apple Watch, Siri or Shortcuts.
• Review every draft before anything is added to your records.
• Track accounts, categories, budgets and recurring rules in one place.
• Plan bills and monthly financial tasks before they become surprises.
• See cash flow, spending patterns and net worth in context.
• Forecast upcoming balances and budget pressure.
• Export your data when you need your own records.
• Protect the app locally with device security controls.
Across Apple devices
• On iPad, use a three-column workspace for your dashboard, drafts, ledger, budgets, categories, calendar and analysis.
• Add widgets for quick capture, month status, upcoming bills, pending drafts and 30-day forecasts.
• Use Siri and Shortcuts to dictate a transaction; review and confirm it before it enters the ledger.
• Apple Watch works as a companion for quick capture and glanceable financial status, with a budget Live Activity on supported iPhone devices.
Private by design
Your financial records stay on your device. If you enable iCloud sync, Apple CloudKit stores your data in your private iCloud container. UpLedger includes no advertising and does not send your transactions, balances, merchants or notes to analytics providers.
Optional diagnostics are only enabled when you choose to share them. Optional AI features require explicit configuration and consent before external processing is used.
UpLedger Pro
The free plan includes 1 account, 2 classification rules, 2 recurrences and 1 household member. UpLedger Pro removes these limits and unlocks full export, iCloud sync and extended forecasting. Choose a monthly or yearly subscription, or a lifetime purchase. Purchases are processed through Apple In-App Purchase; subscriptions can be managed from your Apple Account settings.
Who it is for
UpLedger is for independent earners, households, students, freelancers and anyone who wants a calmer way to understand spending, bills and progress without connecting a bank account.
Start with a ledger you can explain: every approved entry has a place, a reason and a next step.
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
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