LocalLedger Live

Local Ledger – SMS Expense Tracker with AI Insights & Budgets Take control of your money with Local Ledger, a smart personal finance app that automatically tracks your expenses from bank SMS. No manual entry. No spreadsheets. Just clear insights into your spending, income, and savings — all on your phone. Designed for people who want privacy-first money tracking, Local Ledger keeps your financial data on-device, giving you full control while delivering powerful analytics and optional AI assistance. 🔍 Automatic Expense Tracking from SMS Local Ledger reads your bank transaction SMS and converts them into a structured ledger: Auto-detects income & expenses Smart categorization (Food, Bills, Shopping, etc.) Supports multiple bank accounts No need to manually add transactions 📊 Clear Dashboards & Insights Understand your money at a glance: Monthly spending & income summary Cash flow (inflow vs outflow) Category-wise breakdown Daily, weekly & monthly trends 🤖 AI Assistant for Your Money Ask questions about your finances in simple language: “How much did I spend last month?” “Top spending categories?” “Where am I overspending?” Get instant answers powered by AI — fully optional and designed to work with your own data. 💰 Budget Planning Made Simple Stay in control of your spending: Set monthly budgets by category Track budget vs actual spending Get clear progress indicators Identify overspending early 🔒 Privacy-First & Secure Your financial data is yours: Data stored locally on your device No mandatory cloud sync Backup & export locally anytime Optional AI setup (use your own API or local models) ⚙️ Flexible AI Setup Choose how AI works for you: Use LocalLedger built-in AI (free tier) Connect your own API (OpenAI-compatible) Run local models via Ollama You decide where your data goes. ✨ Why Choose Local Ledger? ✔ Automatic SMS-based expense tracking ✔ No manual data entry ✔ Clean, simple dashboards ✔ AI-powered financial insights ✔ Budget tracking & planning ✔ 100% control over your data 📱 Who is it for? Users who want automatic expense tracking Anyone looking for a private finance app Users who want AI insights without losing control of data 🚀 Start tracking your money smarter Download Local Ledger and see exactly where your money goes — effortlessly.