Ledger

Ledger is a privacy-first personal finance tracker that works completely offline. No account. No cloud. No data leaving your device. TRACK YOUR MONEY → Log income and expenses in seconds → Organise by category and payment method → Monthly budget with progress tracking → Per-category spending limits with alerts → Recurring transactions (daily / weekly / monthly / yearly) → Borrow & lend tracker with due date reminders → Savings goals with visual progress SMART DASHBOARD → Net balance, income vs expense flow → Savings rate with contextual insights → Day streak to build a consistent logging habit → Top spending category, biggest expense, month-on-month change → 6-month income vs expense trend chart PRIVACY & SECURITY → One-tap amount masking — hide all numbers instantly → App lock with fingerprint or device PIN/pattern → Custom 4-digit PIN with optional hint and lockout protection → Authentication required before exporting or clearing data WORLD CLOCK & CALENDAR → 35+ countries with correct timezones → Multi-timezone countries (US, India, Australia and more) → Nepal shows Bikram Sambat calendar → Live clock on Dashboard with interactive calendar REMINDERS → Daily log reminder if no transaction recorded → Pending debt follow-up alerts → Unlimited custom reminders at any time → Fires even when the app is closed BACKUP & RESTORE → Export as JSON or CSV → Full backup includes debts, settlements and settings → Restore on any Android device instantly DISPLAY → Light, Dark, or System theme — follows your device automatically → Clean minimal interface designed for one-hand use Ledger is free. Your data stays on your phone — always.