My Ledger: Money Tracker

My Ledger is a simple, private money tracker. Record what comes in and goes out, see what is left over each month, keep track of card bills and loans and, if you run a small business, see its profit for any dates you choose. EVERYDAY MONEY • Record income, savings and expenses with a date, a category and a note • Your own categories, each with an emoji. Rename or remove them any time • See your month at a glance: income, spent, saved, what you owe, what you are owed and what is left over (it carries forward from month to month) • See where it went: your biggest spending, and every month of the year in one chart • Browse your records week by week or day by day, pick any date, search them, and filter by type or category • Made a mistake? Undo it for a few seconds after you add, repay or delete • Choose the currency your amounts are shown in, from 33 currencies (nothing is converted) CARDS, LOANS AND LENDING • Add your credit cards with their billing and due dates, and watch each bill build up. See what each card was used for • Mark a bill as paid once you have paid it • Track money you borrowed and money you lent, with due dates and optional interest. Interest can be paid with the principal, or every month, every 3 months, every 6 months or every year, and each payment is marked as it happens • See which interest is due or overdue, mark it paid or received, and get a reminder. Repay or receive the principal with any interest still unpaid, or waive part of it YOUR SMALL BUSINESS • Create a business (a shop, freelance work, a side income) and mark income and expenses as its own • For any dates you pick (this month, last month, this quarter, this financial year, a custom range) see its income, expenses and profit, with a clear mark: Profitable, Break-even or Loss • Compare with the period before, see profit month by month, and see where the money came from and where it went • Already have entries? Tick them to add them to a business in one go Business profit is a simple total of the entries you mark. It is not accounting, tax or GST advice. PAYMENTS FROM YOUR PHONE (OPTIONAL, ANDROID) • You choose the apps My Ledger may look at (your messages app or a wallet, for example). With none chosen, payment detection is off and nothing is read • In those apps it notices payment alerts. Any other notification that shows an amount in your currency also waits in Review, and you say what it was • Nothing is added by itself: you choose the category (and business) and confirm the details every time. Tap Show message to see the alert • The alert text stays on your phone and is never sent to the developer or to anyone else. You can turn this off at any time • Works with English alerts that show an amount in the currency you chose; other currencies are ignored STAY ON TOP • Optional daily review and bill reminders before a card bill, loan or lending is due (Android) • Hide all amounts with one tap when someone is looking • Lock the app with your fingerprint or face, optional (Android) • Light, dark or automatic theme, and your own text size (Small, Normal, Large or Extra large) YOUR DATA STAYS YOURS • Sign in with Google. Your ledger is saved in a private area of your own Google Drive, and every change is saved as you make it • The developer cannot see your entries • No ads • Delete everything, from Google Drive and from your phone, from your profile • You may choose to share your name, email and last-active date with the developer. This is off unless you allow it GOOD TO KNOW • My Ledger needs an internet connection and a Google account • My Ledger only records your money. It does not move money, connect to your bank, or give financial, tax or accounting advice • Payment detection depends on the alerts your bank and phone provide. Please check the amount and date before you add a payment Privacy Policy: https://ledgerforyou.web.app/privacy.html Terms: https://ledgerforyou.web.app/terms.html

Version 3.0 • Payment detection now looks only at the apps you choose; with none chosen it is off. In a chosen app, payment alerts and any other notification that shows an amount in your currency wait in Review • New page: Alerts I recognise • The “Add this payment?” question always appears • Amounts and labels follow your chosen currency • Welcome pages fit a phone held sideways; larger buttons • Fixed: Save repayment and Save received