餘裕 · PICO LEDGER

"YuYu" is a clean, visually appealing, and clearly calculated personal expense ledger.

Open it to start recording your expenses—no registration or login required. Your data is stored exclusively on your phone.

■ Monthly Overview at a Glance
Your remaining balance, income, expenses, and income utilization rate are all displayed on the first screen. Transaction details are editable and deleteable, and custom categories are supported, creating a clean monthly summary.

■ Savings Goals
Set your savings goals, and a progress bar updates instantly with each deposit, making it easy to see how much you need.

■ Loan and Repayment Tracking
Enter the loan amount, term, and deduction date, and the app automatically generates a detailed repayment schedule. Early repayments are also tracked, allowing you to see how much you've paid and how much remains.

■ Fixed Income and Expenses
Set monthly fixed expenses like rent, subscriptions, and insurance premiums, and they are automatically added to your transaction details in the first month of your billing cycle.


■ Annual Report, One-Click PDF Conversion
A year's income and expenditure summary, monthly bar charts, and category breakdowns are all compiled into an A4 report. You can choose to include complete details from January to December, and the system's print function saves it as a PDF—you decide where to save it.

■ Three Languages, Four Themes
Traditional Chinese/English/Japanese; Warm, White, Night, and a hidden PRIVÉ.

■ Cloud Sync: We Can't See Your Ledger

This is an optional feature. When enabled, the ledger is encrypted "before" it leaves your phone. Our server only stores encrypted text that even we ourselves cannot decrypt—not that we "guarantee not to see it," but it's technically impossible. You can delete your account in the settings at any time, and the encrypted copy on the server will also disappear.

■ About Ads and Payment

The app is free, supported by advertising. If you don't want to see ads, you can purchase "Ad-Free" once; "Lifetime Unlock" includes both ad-free viewing and cloud synchronization. Both are one-time purchases; there is no subscription.