Aurum Ledger

Aurum Ledger is a fully offline tool for planning your own debts, instalments and payments. See total balances, minimum monthly payments, upcoming due dates, estimated debt-to-income ratio and a projected payoff date based on values you enter. The app does not issue loans, approve applications, connect you with lenders, or provide banking and payment services. Organize active, closed and overdue obligations with balances, annual rates, minimum payments, notes, due dates and manually recorded changes. Compare snowball, avalanche, or custom repayment strategies, apply an extra monthly budget, and review repayment order, estimated interest, monthly allocation and time to completion. Independent scenarios let you test changed rates, dates, one-time contributions and payment order without altering your original records. Use calculators to estimate monthly payments, an affordable obligation amount, repayment duration and overpayment. Enter income, essential expenses, housing costs and other recurring payments to view an informational DTI estimate and available balance. You can also manage instalment schedules, mark payments manually, review local analytics, archive completed records and set on-device reminders for upcoming payments or monthly plan reviews. All debts, instalments, scenarios, settings, history and demo data remain stored locally on your device. No account, server, cloud synchronization, bank connection, or financial-data transmission is used. Calculations are informational estimates based on your entries and selected assumptions. Customize display currency, date format, financial-month start, rounding, default repayment strategy and reminder preferences, or reset all local data with confirmation.