LocalLedger

Local Ledger – SMS Expense Tracker with AI Insights & Budgets

Take control of your money with Local Ledger, a smart personal finance app that automatically tracks your expenses from bank SMS. No manual entry. No spreadsheets. Just clear insights into your spending, income, and savings — all on your phone.

Designed for people who want privacy-first money tracking, Local Ledger keeps your financial data on-device, giving you full control while delivering powerful analytics and optional AI assistance.

🔍 Automatic Expense Tracking from SMS

Local Ledger reads your bank transaction SMS and converts them into a structured ledger:

Auto-detects income & expenses
Smart categorization (Food, Bills, Shopping, etc.)
Supports multiple bank accounts
No need to manually add transactions
📊 Clear Dashboards & Insights

Understand your money at a glance:

Monthly spending & income summary
Cash flow (inflow vs outflow)
Category-wise breakdown
Daily, weekly & monthly trends
🤖 AI Assistant for Your Money

Ask questions about your finances in simple language:

“How much did I spend last month?”
“Top spending categories?”
“Where am I overspending?”

Get instant answers powered by AI — fully optional and designed to work with your own data.

💰 Budget Planning Made Simple

Stay in control of your spending:

Set monthly budgets by category
Track budget vs actual spending
Get clear progress indicators
Identify overspending early
🔒 Privacy-First & Secure

Your financial data is yours:

Data stored locally on your device
No mandatory cloud sync
Backup & export locally anytime
Optional AI setup (use your own API or local models)
⚙️ Flexible AI Setup

Choose how AI works for you:

Use LocalLedger built-in AI (free tier)
Connect your own API (OpenAI-compatible)
Run local models via Ollama

You decide where your data goes.

✨ Why Choose Local Ledger?

✔ Automatic SMS-based expense tracking
✔ No manual data entry
✔ Clean, simple dashboards
✔ AI-powered financial insights
✔ Budget tracking & planning
✔ 100% control over your data

📱 Who is it for?
Users who want automatic expense tracking
Anyone looking for a private finance app
Users who want AI insights without losing control of data
🚀 Start tracking your money smarter

Download Local Ledger and see exactly where your money goes — effortlessly.