Ledger — 50/30/20

About this app

Ledger is a calm, private way to budget with the proven 50/30/20 rule. Your income splits into three simple categories: Needs, Savings, and Wants. Ledger shows you exactly where you stand at a glance. No spreadsheets, no bank logins, no clutter. BUILT ON 50/30/20 • Set your monthly income and let Ledger split it into Needs (50%), Savings (20%), and Wants (30%) - or customize the percentages to fit your goals. • Watch each bucket fill as you log spending, with clear "remaining" and "over budget" cues. • Close out each month and start fresh; past months stay archived. PRIVATE BY DESIGN • No account, no sign-in, no ads, no tracking, no analytics. • Your data lives on your device and syncs through your own iCloud. No one but you sees it. • Optional Face ID or supported biometric lock. • Apple Intelligence on device processing, your data doesn't leave your device. EVERYWHERE YOU ARE • Native apps for iPhone, iPad, Mac, and Apple Vision Pro. • Home Screen and Lock Screen widgets for a glance at what's safe to spend. • Quick-add with Siri, the Action Button, and Shortcuts. THOUGHTFUL TOUCHES • An on-device AI command bar: type "spent $40 on groceries and $12 on coffee" and Ledger adds the transactions - processed entirely on your device. • Budget alerts when a bucket nears or passes its limit. • Beautiful themes with full Light and Dark Mode support. • Export your data anytime as JSON or CSV. Ledger isn't trying to connect to your bank, run ads, etc. It's a simple, honest tool to help you spend with intention.

Redesigned Budget header, faster iCloud sync, smarter search, and polish throughout. Some UI improvements (animations on "Insights") as well. More features are in the works!

Momentum comes from crawler snapshots for the tracked storefront. “Viral growth signal” means unusually fast recent rating gains; it is an indicator, not download data.

1. First observed Aug 9, 2026 · 12:34 AM $0.99