Personal Ledger: Fund & Budget

Take complete control of your financial life with Personal Ledger — the most versatile, privacy-first personal finance, fund ledger, and expense management app by MosTech Zone.

Unlike basic budget trackers, Personal Ledger gives you true multi-account balance clarity across all money sources, dedicated Fund Ledgers (for office advance, petty cash, social, and project funds), loan amortization schedules, asset tracking, and recurring transaction automation — all 100% offline and secure.

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🌟 KEY HIGHLIGHTS & FEATURES
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📊 COMPLETE MULTI-ACCOUNT LEDGER
• Track all your financial sources: Bank Accounts, Mobile Wallets, Cash in Hand, and Credit Cards.
• Real-time Net Worth calculation and live account balance updates.
• Seamless internal account-to-account transfers with transaction notes and receipts.

💼 DEDICATED FUND LEDGER & PETTY CASH
• Create and manage isolated funds: Office Advance, Petty Cash, Event Collections, Social & Welfare Funds, or Custom Projects.
• Track contributor lists, member donations, and self-contributions.
• Link expenses directly to specific funds without disturbing personal expense categories.
• Manage dynamic fund cycles with period closing balances and rollover statements.

⏰ SMART RECURRING TRANSACTIONS & AUTOMATION
• Automate repeating expenses, salaries, subscriptions, rent, and loan EMI payments.
• Advanced multi-day scheduling (e.g., pay on 5th and 20th of every month with split amounts).
• Flexible recurrence modes: Monthly, Weekly, or Yearly.
• Dual posting control: choose silent automatic background posting or review-before-posting notifications.
• Skip next occurrence and audit execution history at a glance.

💳 LOANS, LIABILITIES & LENDING MANAGER
• Track borrowings and money lent to friends, family, or clients.
• Automatic installment & interest calculations with remaining principal tracking.
• Complete repayment audit trails and debt payoff schedules.

📈 ASSETS & INVESTMENT TRACKER
• Monitor Fixed Deposits, DPS installments, Gold, Real Estate, and Crypto investments.
• Record profit realization, capital gains, and investment maturities.

📑 EXECUTIVE PDF & CSV FINANCIAL REPORTS
• Generate beautiful, print-ready multi-page PDF statements and spreadsheet CSV exports.
• 6 specialized report types: Period Statements, Contributor & Donor Summaries, Category Breakdowns, Account Holdings, and Full History.
• Share via WhatsApp, Email, or save directly to your device storage with one tap.

🔒 100% PRIVATE, SECURE & OFFLINE
• Your financial data belongs strictly to you. All records remain stored locally on your device.
• Biometric Fingerprint / Face Unlock protection.
• Optional encrypted Google Drive backup and restore to keep your data safe.

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✨ WHY CHOOSE PERSONAL LEDGER?
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✔ Clean, modern, distraction-free interface
✔ Supports all global currencies
✔ No mandatory account registration or cloud sign-in
✔ Fast, lightweight, and battery-friendly

Personal Ledger is proudly developed and maintained by MosTech Zone.
Visit us: https://mostechzone.com

Download Personal Ledger today and experience stress-free financial clarity!