Ledgerly, a budget app for iPhone and Android
How much can I spend today?
Cash stuffing, without the cash.
Ledgerly is an envelope budgeting app for iPhone and Android. Give each envelope an amount and spend from it. The app works out what is safe to spend today.
Ledgerly keeps every figure on your phone. Nothing is sold, no account is required, and nothing is uploaded unless you switch on backup yourself.
No bank connection. Free to start, then paid. Try the daily budget calculator
How it works
Envelope budgeting in three steps.
Set it up once. After that you add what you spend, in a few seconds each time.
Step 1
Say what comes in.
Your salary, or whatever lands each month. It counts once it arrives, not before.
Rent Savings Step 2
Set aside what you want to keep.
Rent, bills and savings go in first. They are out of the way before your daily number is worked out.
FoodFood$300 FunFun$120 BusBus$80 Step 3
Give the rest a job.
Food, fun, transport. Each envelope gets an amount. Record each spend as it happens and the envelope goes down.
Two weeks, one receipt
A daily spending limit that moves with you.
500.00 to spend over 14 days. Rent and the phone bill are planned separately, so they are out of the way before the daily number is worked out. Every spend changes tomorrow's number. Nothing else does.
Day 1 · MonSafe 35.71
- Rentrepeat, planned650.00
- Groceries41.20
Rent posted itself. The number did not move, because rent was never in it.
Day 2 · TueSafe 35.29
- Coffee3.80
- Bus pass22.00
Yesterday went 5.49 over. So today is 0.42 smaller. That is the whole penalty.
Day 3 · WedSafe 36.08
- Lunch11.50
- Groceries18.60
Day 4 · ThuSafe 36.62
No spending
Nothing spent. A no-spend day. The app counts them and says nothing else about them.
Day 5 · FriSafe 40.29
- Pizza with friends24.00
- Cinema13.00
Yesterday's quiet day spread over the days left. Today is 40.29.
Day 6 · SatSafe 40.65
- Dinner out96.00
Dinner ran long. 96.00 on a 40.65 day.
Day 7 · SunSafe 33.73
- Market27.40
So today is 33.73. No red, no alert. A smaller number, and that is all.
Day 8 · MonSafe 34.64
- To savingsmove, planned100.00
- Coffee3.80
100.00 moved to savings. It was set aside from the start, so the number does not move for it.
Day 9 · TueSafe 39.78
- Haircut30.00
Day 10 · WedSafe 41.74
- Groceries52.30
Day 11 · ThuSafe 39.10
- Phonerepeat, planned25.00
- Concert tickets60.00
The phone bill posted itself. Like rent, it was already counted.
Day 12 · FriSafe 32.13
No spending
Another no-spend day.
Day 13 · SatSafe 48.20
- Birthday present45.00
Day 14 · SunSafe 51.40
- Groceries23.10
- Coffee3.80
Last day. 24.50 never got spent. Payday is tomorrow, and the number starts again.
Spent475.50
No-spend days2
Left over24.50
No bank was contacted in the making of this receipt.
The trade
A budget app that never asks for your bank password.
There is no bank connection. You type each spend, or set a rule once and it posts itself every month. Nothing guesses your categories for you.
In exchange, there is no bank login to hand over, and nothing is uploaded unless you switch on backup yourself.
Want automatic import? Use something else. Better to find out here than after you install.
Four tabs
An expense tracker in four tabs.
Each tab answers one question. Nothing is buried three menus deep, and no dashboard tries to say it all at once.
Today
What can I spend today?
Ledgerly takes what is left, subtracts what is still coming, and divides by the days that remain. You get one number, and the ones it came from are right underneath it.
- Adding a spend takes secondsAmount, category, account. You pick the category, because you know what the money was for.
- Repeats handle themselvesSet up rent, your salary and your subscriptions once. They show up under Upcoming before they land.
- Search everything you have addedFind any transaction by its note, its category or its amount.
Plan
How is the plan holding up?
Each category is an envelope with an amount in it, and you see what is left in each one. The period is whatever you actually live in: a month, a fortnight, or the gap between two pay days.
- Keep budgets apartThe house and a side project do not belong in the same numbers. Switch between them from any screen.
- See how the period wentWhat you planned, what you spent, and where the two stopped matching.
- No red, no telling offGoing over is just a line that says how much by. Ledgerly does not use alarm colours anywhere.
Money
What am I worth today?
Bank, cash and cards in one total. It moves when you add something, and nothing else moves it.
- Add as many accounts as you useCurrent, cash, savings, credit. You set the starting balance, so it begins where your money really is.
- Moving money is not spendingSend cash from savings to current and Ledgerly counts it as a move, not as an expense.
- Fix a balance in one lineWhen the app and the real account disagree, say what the balance should be and carry on.
Tools
Where is everything else?
Settings, and the way out. Your transactions come out as a CSV, and backup copies them to Google Drive, iCloud or a file you keep, once you switch it on.
- Export to CSVOne file, opens in any spreadsheet. It works whether you have paid or not.
- Backup and restoreGoogle Drive, iCloud or a local file. This is the only thing that copies your data off the phone, and it waits until you turn it on.
- Lock the appA passcode, plus your fingerprint or face if your phone has it.
- 165 currencies, 5 languagesPick your currency once. The app is in English, French, German, Italian and Spanish, the same five this site is in.
The reminder
A budget reminder that knows when to stop.
- It carries the number.Each evening, the figure for that day, worked out on the phone.
- Already wrote something down today?Then it stays quiet.
- Ignore it for a week.It drops to once a week.
- App lock on?The number stays off your lock screen. You get a plain reminder instead.
A fair question
Couldn't I just ask an AI to do my budget?
You could ask ChatGPT or another assistant. It would need your balance, your bills and your payday first, and you would have to keep them up to date. Ledgerly already has them, because you add each spend as it happens. The answer is the first thing on the screen.
No account to sign in to. Nothing to paste. One tap from your home screen.
Where your data is
Your money data
stays on
this phone.
No account. No servers to breach. Ledgerly runs offline. The only copy that ever leaves your phone is a backup you switch on yourself.
- No sign-up
- Works with airplane mode on
- Backups only if you ask
You can check all three yourself in about a minute, on a phone with no signal.
A private budget app still talks to three outside services. This is what goes to each of them.
Backup, once you turn it on
Google Drive, iCloud or a file you choose. It copies everything, which is why it stays off until you say so.
Your purchase
Handled by RevenueCat through your App Store or Google Play account. It knows you paid. It does not know what you spent.
Crash reports
Sent to Sentry so a crash can be fixed instead of guessed at. They carry the fault, not your numbers.
Only backup carries what you have recorded, and it waits until you turn it on. The other two never see a figure.
Read the privacy policyWhat it costs
Stop paying. Keep everything.
Free to start, with everything unlocked. Then you pay monthly, yearly, or once. If you stop paying, your records stay readable. Only adding new transactions stops.
You can start recording for free, with everything unlocked from day one. When you want to keep going, pick a plan. There is no second tier and nothing saved up for a bigger plan.
If you do not buy
- ReadYes
- SearchYes
- Export to CSVYes
- Back upYes
- Add newPaused
The App Store and Google Play set the price for each country, so what you see is the price where you are. Open either listing to check it.
Bought with your App Store or Google Play account. Tap Restore on any device you sign in to.
Questions
What it does, and what it will not do.
Half of these are things Ledgerly does not do, on purpose. Better to know before you download than after.
What is cash stuffing, and how does Ledgerly do it?
Cash stuffing is budgeting with paper envelopes. You put the cash for each category in its own envelope and spend only from that envelope. Ledgerly does the same with envelopes on your phone. You give each category an amount, record what you spend, and the envelope goes down. There is no cash to carry and nothing to count by hand.
How do I work out how much I can spend per day?
Take the money that is free after bills and savings, divide it by the days until payday, and round down. Ledgerly does this for you every day, from what you record. Try it in the daily budget calculator
Does Ledgerly connect to my bank?
No, and that is on purpose. You add each transaction, or you write a rule that adds it for you. It means the app is only as up to date as you keep it. It also means there is no bank login to hand over, and nobody else holding a copy of your statements.
Does it work if my income is irregular?
Yes. Set the period to run from one payday to the next, however long that turns out to be. The daily number divides what is left by the days actually remaining, so a long gap gives a smaller number, not a wrong one. How the daily number is worked out
Does it sort my spending into categories for me?
No. You pick the category as you add the transaction. Guessing gets it wrong often enough that fixing it takes longer than choosing, and only you know whether a supermarket trip was the weekly shop or a present.
Will it tell me how to save money?
No. Ledgerly shows you where you are. What you can spend today, how each category is doing, and how the last period went. It does not give advice, score your habits or set goals for you.
Where is my data kept?
In a file on your phone. There is no account and no server holding it. The only thing that copies it off the phone is backup, to Google Drive, iCloud or a file, and that stays off until you switch it on. The app also sends crash reports and a few usage events to Sentry, and handles purchases through RevenueCat. Neither of those sees your figures.
Can I move to a new phone?
Yes, if you have a backup. Restore it on the new phone and everything comes back. Your purchase moves separately, because it belongs to your App Store or Google Play account. Tap Restore on any device you sign in to.
What happens if I do not pay?
You can still read, search, export and back up. Paying is what lets you add new transactions. Nothing you have already written down becomes unreadable, and the CSV export keeps working whether you buy or not.
Is there a free version?
No. It is free to start, with everything unlocked, and then it is a paid app. Monthly, yearly, or one payment for good. There is no second tier, so nothing is being saved up to sell you later.
Which currencies can I use?
165. You pick one and every figure in the app is shown in it. Ledgerly does not convert between currencies, because a budget only makes sense in the one you actually think in.
What languages does the app speak?
English, French, German, Italian and Spanish. The app and this website speak the same five, so whatever brought you here is what you will see once you open it.
Can I get my data out?
Yes. Tools, then Export data. Pick a budget and the dates, and those transactions come out as a CSV that opens in any spreadsheet. It keeps working after a subscription stops.
Learn
What we have written down.
Short pieces on budgeting by hand, and on what the app does with your records.
October 1, 2026
Budget category percentages: how to split your money
How to split your money by percentage, with the 50/30/20 rule, zero-based budgeting and custom splits. Worked examples included.
September 22, 2026
How to track your expenses: a simple manual system
Track your expenses by hand with daily entry, a few clear categories, a mid-month check-in and a review at the end of each period.
September 21, 2026
Offline budget apps: 10 options for private money tracking
Ten offline budget apps compared on privacy, manual entry, backups, platforms and budgeting depth, for tracking money without a bank link.