Ledgerin: Personal Finance

Ledgerin helps you track and actually understand your money every day — without the clutter, and without paying a subscription just for the basics. Your data lives on your own device, so you stay in control.

💼 Accounts & net worth

Keep operational, savings, investment, credit card, and held funds in one place. Your net worth is calculated automatically (assets + investments − debt) with asset allocation, and every balance is recalculated from your transaction history so the numbers are always right. Multi-currency is supported, with live FX rates and exchange gains or losses.

📝 Transactions & budgets

Log income, expenses, and transfers fast — with a calendar view, search, and one-tap duplicate. Freelancers can use an accrual date to separate when income is earned from when it lands. Set monthly budgets by category with rollover, plus an estimate of when a budget will run out based on how you spend.

🎯 Goals, debt & gold

Set savings goals, track debts and receivables, and follow installments like a mortgage or paylater with their schedule and a payoff plan. Invest in gold? Track digital and physical gold (karat and grams), buy and sell at average cost, see the live price, and get Zakat nisab and haul reminders. A Sharia mode with a Zakat calculator is included.

📷 Receipt scan, AI & reports

Snap a receipt and let Ledgerin fill in the transaction for you (Pro), then get AI insights, a financial health score, and a 30-day cashflow forecast. Build weekly or monthly PDF reports to share to WhatsApp, or export to Google Sheets.

🔒 Privacy & sync

Your data is stored locally and encrypted, lockable with your fingerprint or a PIN, and ready to back up to Google Drive anytime. Cloud sync across devices and Ledgerin Web access in your browser come with Premium. You can also add a net worth and cashflow widget to your home screen.

Plans:

- Free — unlimited transactions, accounts, and budgets. Daily tracking is never locked.

- Pro — net worth, analytics and health score, goals and debt, multi-currency, gold, plus receipt scan and AI.

- Premium — everything in Pro, plus cloud sync and Ledgerin Web access.

Available in Indonesian and English.