Money
management
with
pure
clarity.
Take total control of your cash flow with real-time category caps, intelligent savings momentum, and zero ad surveillance. Saved on your device first.
Most financial stress isn't caused by how much you earn, but by the quiet uncertainty of where it all went. Ledgio restores complete clarity. It gives you an honest, private ledger that accounts for every rupee, works offline on your phone or desktop, and never sells your data or shows you ads. No subscriptions, no paywalls. Just simple, truthful money management that belongs entirely to you.
See your money, step by step
How Ledgio organizes your daily spending, category limits, and monthly savings.
Log an expense
Record purchases with a name, amount, and category, with an instant update to your remaining balance. Saved directly to your device.
Set category limits
Establish monthly spending caps with 15 categories in total, 10 built-in by default. Visual progress bars shift from green to amber as you spend.
Fund savings goals
Earmark money for emergencies, travel, or major purchases. Deposit into your goals directly from your monthly leftover cash.
Track loans and debts
Keep track of money lent and borrowed, including cash loans and bills someone paid for you. Record partial settlements with a clear repayment history.
Review spending reports
See where your money goes with category donut charts and 6-month trends. Export your full transaction history to CSV or JSON whenever you want.
Every part of your money, in one place
Explore the dedicated screens built into Ledgio for simple, everyday clarity.
Your Entire Monthly Cash Flow at a Glance
Live calculation of safe-to-spend surplus, dynamic category caps, and instant offline-first storage.
Spending Limits That Warn You Early
Track monthly progress against category ceilings with visual warning thresholds before you exceed your limits.
Turn Monthly Surplus Into Funded Milestones
Allocate surplus cash flow toward emergency funds, travel goals, or long-term purchases with single-tap deposits.
Dual Ledgers for Money Lent and Debts Owed
Keep track of personal debts, loans, or shared expenses with simple, private records.
Visual Reports with Zero Ad Trackers
Inspect spending habits with interactive category donut charts and 6-month historical cash flow trends.
Everything you need. Nothing you don't.
Ten verified capabilities designed for speed, privacy, and clear financial tracking.
Test drive your financial trajectory
Adjust income and expenses to project your monthly surplus and annual wealth accumulation.
Zero vanity metrics. Real facts from code.
No inflated user statistics or manufactured ratings. Every figure below is verified against our open-source codebase.
Free Forever
Zero subscriptions, zero paywalls, zero ads. Professional tools accessible to everyone.
Built-In Categories
Pre-configured spending buckets ready out of the box, with 15 categories in total.
Supported Currencies
Native currency symbols for INR, USD, EUR, GBP, AED, SGD, CAD, AUD, JPY, SAR, BDT, and NPR.
MIT Open Source
Complete client codebase is publicly auditable on GitHub under the permissive MIT license.
Start in under a minute
No banking passwords, no card requirements, no complicated setup.
Open Ledgio
Sign up with your email. No payment method, phone number, or bank credentials needed.
Set Income & Limits
Enter your monthly salary, set your payday date, and define visual spending caps for essential living categories.
Track & Build Surplus
Add an expense in seconds, monitor warnings before overspending, and route remaining balance into savings goals.
Frequently Asked Questions
Clear, truthful answers regarding storage, privacy, and app functionality.
Yes. Ledgio is an open-source project released under the MIT license. There are no paid tiers, no premium paywalls, no trial expirations, and no ads. Every capability—from multi-currency tracking to reports and data export—is completely free.
Your ledger is saved on your device first in browser localStorage. When you sign in, changes sync securely to your private account in Supabase with strict Row Level Security. We never sell your data or show you ads; we only count anonymous app installs and launches.
No. Ledgio intentionally does not connect to bank APIs, require net banking passwords, or integrate third-party screen scrapers. Manual and quick entries give you total deliberate control and privacy over every recorded expense.
You can export your entire ledger to portable JSON or CSV spreadsheet files at any time with a single click. When switching devices, simply import your JSON backup file or sign in to your free account for automatic secure cloud sync (encrypted in transit, private to your account).
Ledgio is built as an installable Progressive Web Application (PWA). It works seamlessly across modern browsers on iOS, Android, Windows, macOS, and Linux. You can add it directly to your home screen or desktop for a fast, full-screen offline experience.