LedgerWell - Debts & Expenses

Someone covered dinner. You split the rent. A friend borrowed cash. Payday came and went. Nobody remembers who is ahead, or where the money went. LedgerWell keeps both sides in one place: what you owe, what you are owed, and what you earn and spend. It works in any currency, everything stays on your device, and there is nothing to sign up for. No cloud, no ads, no tracking. DEBTS AND IOUs • A dashboard that does the math: what you owe, what you're owed, your net balance • Accounts for each person or group: friends, family, roommates, colleagues • Link transactions to contacts and share a complete history in one tap • Mark a debt as paid back and keep it on record • Search, multi-select, merge, or bulk-share transactions when things get busy SPLIT A BILL • Divide a bill equally, by shares, by percentage, or by exact amounts • Mark who paid, then tick people off as they pay you back • Each split stays one card you can edit as a whole • Add your own share to your expenses • Share the full breakdown, or only your own entries INCOME AND EXPENSES • Log income, expenses and transfers, month by month • See your spending by category and what is left over • Built-in categories plus your own • Repeating entries add themselves: salary, rent, subscriptions • Wallets for cash, cards and bank accounts, each in its own currency • Link a debt to a wallet, so lending and paying back move the right balance ANY CURRENCY, EVEN YOUR OWN • 39 built-in currencies with automatic live exchange rates • Unlimited custom currencies with your own rates • Everything converts into your default currency automatically • Native Arabic-Indic and Farsi numerals SEE WHERE YOU STAND • Debt vs credit breakdown at a glance • Monthly trends and per-account charts • This month's income and spending on the dashboard • A dashboard you can rearrange to suit you YOUR DATA, YOUR DEVICE • 100% local storage, nothing is uploaded, ever • No sign-up, no analytics, no ads, no tracking • Optional app lock with password or biometric • Back up everything to a single file and restore anytime, with merge or replace MADE FOR EVERYONE • 30 languages, including right-to-left support for Arabic, Farsi and Hebrew • Dark and light themes • Portrait or landscape, on phones, foldables and tablets • A guided tutorial covering every feature The only network request LedgerWell ever makes is fetching public exchange rates, and you can turn even that off.