LedgerCircle

LedgerCircle brings your everyday financial records together in one simple, collaborative app. Whether you are splitting trip expenses with friends, maintaining shared tables, tracking a personal loan or organizing a chit fund, LedgerCircle helps everyone see clear records and stay informed. SHARED EXPENSES • Create groups and invite registered members • Add expenses and select who participated • View how each expense was divided • See who owes, who receives and the total spent • Record full or partial settlements • Review complete settlement history • View totals across all your groups PERSONAL LEDGERS • Create multiple tables for different purposes • Add date-wise particulars and amounts • Share a table with selected registered users • Control access separately for every table • Allow authorized members to add records • View totals for each contributor • Export table records to Excel LOAN TRACKER • Record loans given to or taken from registered users • Track principal, interest and total outstanding balance • Apply variable monthly interest rates • Calculate interest using the remaining principal • Backdate loans and calculate applicable historical interest • Record principal repayments separately • Record interest payments separately • Enable optional annual interest lock-in • Pay the full posted interest due for a yearly period • View complete loan activity and repayment history • See total amounts payable and receivable across active loans • Archive completed loans while retaining their history CHIT FUND TRACKING • Create fixed-income chit schedules • Configure participants, months and installments • Invite registered users for review and acceptance • Track participant installment submissions • Let owners review and approve payments • Track recipient payouts and confirmations • View bidding amounts, collections and owner commission • Monitor each cycle until completion NOTIFICATIONS Receive in-app updates for group expenses, settlements, loans, chit invitations, payments, approvals, payouts and other shared activity. USER PROFILES Create a verified account with your first name, last name and optional nickname. LedgerCircle displays your nickname when available, making shared records easier to recognize. LedgerCircle is designed for record keeping and coordination between users. It does not process payments, transfer money, provide loans, operate chit funds or offer financial advice. All actual payments and agreements take place outside the app.