SmartLedger

SmartLedger — Smart, Private Expense Tracking Take control of your money with SmartLedger, a finance tracker designed to keep your financial data on your device. Track income and expenses, automatically detect supported transactions from bank SMS, and understand your spending with clear analytics. WHY SMARTLEDGER 🛡️ Local-first & private Your financial ledger is stored locally on your device rather than uploaded to a cloud database. SmartLedger is designed around local-first financial management, giving you control over your transaction data. ⚡ Less manual entry On Android, SmartLedger can detect supported bank and payment SMS messages and convert them into transactions. Review, edit, confirm, or ignore detected transactions before adding them to your ledger. 📅 Financial cycles that match your life Set your financial month around your salary schedule. Choose a specific start date, recurring weekday, or last working day with configurable working days and adjustment rules. TRANSACTION TRACKING • Add income and expenses with a fast calculator-style entry flow • Organize transactions with default or custom categories • Create categories with custom icons, emojis, colors, and SMS keywords • Add notes and dates, and edit transactions anytime • Search, filter, and manage your transaction history • Keep different finances separate with multiple profiles 📱 AUTOMATIC SMS DETECTION — ANDROID • Detect supported bank and payment SMS automatically • Convert supported messages into transactions • Scan the last 7, 30, or 90 days, or your entire SMS history • Review, confirm, edit, or ignore detected transactions • Built-in duplicate detection helps keep your ledger clean • Learn from corrections to improve categorization over time SmartLedger is designed to process supported transaction information locally. 📊 FINANCIAL ANALYTICS Understand your finances with: • Financial Health — income, expenses, savings rate, and spending pressure • Category Distribution — see how spending is divided • Spending Trends — understand changes over time • Spending Forecasts — estimate future spending from your history • AI Insights — personalized insights and recommendations • Day, Week, Month, Year, or Custom date ranges • Unusual spending and spending-pattern detection 👥 MULTIPLE PROFILES Keep different finances separate with independent profiles. Each profile can have its own transactions, categories, currency, and preferences. 🌍 FOREIGN CURRENCY SUPPORT Track transactions across currencies while keeping your preferred base currency. • Automatic foreign-currency conversion • Reference exchange rates • Enter the exact rate from your bank statement when needed 🧩 CUSTOM CATEGORIES Personalize your categories with custom names, icons, emojis, colors, and optional SMS-matching keywords. 🔐 YOUR DATA, YOUR CONTROL • Local-first transaction storage • CSV and XLSX import/export • Optional biometric or passcode app lock • Light and dark themes • Multiple independent profiles • Guided walkthrough with replay from Settings ✨ SMARTLEDGER PREMIUM SmartLedger is free to use with ads. Premium removes ads and unlocks additional capabilities: • Unlimited profiles • Extended SMS history — 90 days or entire SMS history • Automatic SMS synchronization • Advanced Analytics • Unlimited AI Insights & Recommendations • Advanced SMS Intelligence • Automatic Foreign Currency Conversion • XLSX Export • Advanced Duplicate Management • Custom Financial Cycle & Salary Day Premium availability and features may vary by plan and currency. 💜 BUILT AROUND YOUR FINANCIAL LIFE Track everyday spending, understand your financial habits, manage multiple profiles, and organize your finances around your salary cycle. Track smarter. Spend wiser. Keep your finances on your terms. Download SmartLedger and start understanding your money.