Ledger logo Ledger get the app ↓

a notebook for your money

Know where it goes. Know why it went.

Every UPI payment you make is captured automatically from SMS — no typing, no forgetting. Ledger asks one small question: was that a need, a want, or future-you? Then it shows you the habits hiding in your spending.

Download Ledger for Android free · no account, no sign-up, works offline
9:41●●● 5G
TUE · 04 NOV

Today.

Available balance
₹ 0.00
HDFC Savings · synced 09:32
Spent today
− ₹ 600.00
Vs yesterday
− 38%
Pending · 2
Tell Ledger what these were for
→
Recent
S
Swiggy
Fast Food · 18:42
− ₹ 420.00
B
Blue Tokai
Coffee · 09:12
− ₹ 180.00
Today
Journal
Insights
You
+

how it works

You pay. Ledger writes it down.

01

Pay like you always do

GPay, PhonePe, Paytm — anything that sends a bank SMS. Ledger reads the debit alert on your phone and logs the amount and vendor instantly. HDFC A/c XX41 debited ₹349 → logged ✓

02

Answer one honest question

Need, want, or saving? Plus a category that actually means something — life infrastructure, life enjoyment, relationships, future me. Ten seconds, once a day.

03

Watch the pattern surface

Insights show you the truth: what fraction of your month went to wants, which vendor quietly owns your wallet, whether future-you is getting paid at all.

the one question

Budgets tell you to stop.
Ledger asks you why.

Numbers alone never changed a habit. Tagging every rupee with intent turns a transaction log into self-knowledge — and self-knowledge is what actually moves the number.

need

Life runs on it

Rent, groceries, the metro home. The baseline cost of being you — worth knowing exactly.

want

You chose joy

The third coffee, the impulse tee. Not shameful — just worth seeing clearly, in daylight.

future me

You paid yourself

SIPs, savings, anything future-you will thank you for. The tag you'll want to see more of.

your money, your phone

Private by architecture, not by promise.

0

servers

Everything lives in a local database on your phone. Your transactions never leave the device.

0

accounts

No sign-up, no email, no OTP. Install the APK and start. Delete the app, the data goes with it.

₹0

forever

No subscription, no premium tier, no ads sold against your spending habits. It's just an app.