Aurum Ledger

Aurum Ledger is a local Android tool for checking a user-entered PDL interest model. Enter a period, starting principal, fixed annual rate, currency and the interest amount from your statement, then add dated principal reductions. The app rebuilds simple daily-balance interest and compares the calculated total with the amount you typed from your statement. The calculation uses calendar days from the start date inclusive to the end date exclusive. Principal reductions apply at the start of their date. Interest is calculated without compounding, using a 365-day divisor, and the final total is rounded once to two decimal places. USD, EUR, GBP and PLN are supported. Results show the calculated interest, statement interest and signed difference, plus a waterfall chart of interval contributions. Detailed views show constant-balance intervals and daily rows with the reduction, balance used and unrounded intermediate interest. Aurum Ledger keeps saved checks, drafts and history on your device. You can search, reopen, edit and delete checks, with confirmation for destructive actions. An optional camera note can attach one photo of a paper note to a check; it is not used for calculations and does not read statement text. This app is not a lender, broker, banking expert system or legal assessment tool. It does not offer loans, approvals, lender recommendations, financial products, repayment forecasts, strategy comparisons or statement scanning. A difference between the model and a statement does not by itself mean a lender made an error. All information is entered by the user. There are no accounts, ads, analytics, sync, network requests or internet permission.