Aurelian Ledger Live

Aurelian Ledger is an offline planning tool for modeling the cost of one existing or self-modeled debt with equal principal repayment. Enter the terms manually and see how much money is received, how much is repaid, and how the total cost is divided between principal, interest, and fees. The app is designed for calculation and review only. It does not provide, arrange, approve, compare, recommend, or connect users with credit services. Key features: • Manual entry for principal, term, nominal annual rate, one-time upfront fee, monthly fee, currency, and first payment date • Support for USD, EUR, and PLN with two-decimal monetary display and no currency conversion • Net amount received, total repayment, total cost above received funds, first and last payments, and model effective annual cost • Separate diagnostic comparison showing effective annual cost calculated with and without fees • Monthly schedule with opening balance, principal repayment, interest, fee, total payment, and closing balance • Cash flow timeline showing the initial receipt and monthly outflows, with arithmetic details for selected items • Saved calculations, separate drafts, deletion confirmation, and local history for created, saved, and deleted records • Optional single photo of a paper note for a saved calculation, stored locally without text recognition or automatic field filling • Settings for default currency, date display format, onboarding review, model explanation, and local usability rating The calculation model uses decimal arithmetic. Principal is distributed across monthly payments in minimal currency units, with any remaining amount assigned to the final payment. Monthly interest is based on the opening balance and the nominal annual rate divided by twelve, rounded to two decimals. The one-time fee is withheld at the initial moment only and is not capitalized or charged again. Effective annual cost is a model result for equal monthly periods based on the actual rounded cash flows. It is not a regulatory credit disclosure, bank quote, approval, or payment confirmation. All results are projections based on the values entered by the user. Aurelian Ledger works fully on device. There are no accounts, network requests, ads, analytics services, synchronization, lender links, referrals, reminders, or submitted reviews. Financial data is entered manually and remains on the device.