Aurelian Ledger

Aurelian Ledger is an offline utility for manually tracking personal debts and instalments, estimating debt-to-income ratio (DTI), and exploring payoff plans. A guided introduction explains the informational nature of its calculations and lets you start with sample data or an empty workspace. The dashboard summarizes total balance, minimum monthly payments, estimated payoff time, current DTI, the next payment, monthly progress, strategy comparisons, and balance trends. Create obligations with a name, category, original amount, current balance, annual interest rate, minimum payment, next payment date, and notes. Sort active records, review details, edit entries, or archive and restore them. Build monthly payoff schedules using snowball, avalanche, or custom ordering, add an extra monthly budget, and see payment allocation, interest, remaining balances, estimated completion date, and total interest. Scenario tools let you compare up to three alternatives without changing the original records. Use the payoff calculator to enter any three of amount, rate, term, and payment to estimate the fourth. Calculate DTI from gross monthly income and required payments, or estimate payment affordability using income, recurring expenses, a reserve, and a preferred debt-load limit. Track instalment schedules, mark contributions as completed, undo the latest mark, and review their history. Analytics cover balance changes, obligation categories, minimum payments as a share of income, accrued interest, and projected monthly budget release when enough data is available. Records, settings, scenarios, history, onboarding status, and sample data are stored locally, and the app performs no network requests. Optional local reminders can highlight upcoming payment dates without automatically changing financial records. Choose currency formatting, calculation preferences, a default payoff strategy, rounding, DTI alerts, and other local settings. The app does not issue loans, approve applications, connect you with lenders, or offer financial products. All results are informational estimates and do not replace professional financial advice.