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.