Ledgr-Journal

Ledgr is a smart finance journal powered by on-device AI. Scan receipts with your camera,
analyze bank statements with AI, speak transactions out loud, or type in plain English —
Ledgr understands it all, entirely on your device with zero cloud dependency.

WHAT MAKES LEDGR DIFFERENT

◆ AI BANK STATEMENT ANALYZER Import a PDF bank statement, snap a photo, or pick from your library. Ledgr's on-device AI reads every transaction, categorizes your spending with visual breakdowns, flags unusual charges, and generates personalized saving tips. No upload, no subscription — everything runs locally using Apple Intelligence.

◆ 4-WAY SMART INPUT Add transactions your way: - Point your camera at a receipt — AI extracts amount, merchant, and category instantly - Pick a receipt photo from your library - Hold the mic and speak: "Spent twelve dollars on lunch at Subway" - Or just type naturally: "$5 coffee starbucks"

◆ AI SPENDING INSIGHTS Your Statistics tab comes alive with AI-generated analysis — spending patterns, locale-aware saving tips, and trend commentary based on your real data.

◆ LIVE GOOGLE SHEETS SYNC Connect your Google account via OAuth and sync transactions directly to a spreadsheet you own. Not a CSV export — a live sync with conflict resolution, deduplication, sync history, and traffic stats.

◆ TRUE MULTI-CURRENCY Log transactions in 20+ currencies. Ledgr converts amounts using real-time exchange rates so your totals, statistics, and trends are always accurate — even across countries.

◆ CROSS-PLATFORM WITH iCLOUD Works seamlessly on iPhone, iPad, and Mac. All data syncs automatically via iCloud CloudKit.

◆ PRIVACY-FIRST No account required. No third-party servers. No tracking. Built with 100% Apple-native frameworks — SwiftUI, SwiftData, CloudKit, Vision, and Foundation Models. Zero external dependencies. Your data stays yours.

Also includes: GPS location tagging, transaction shortcuts, customizable categories with emoji, account management, advanced search with filters, and spending trend charts.

Key changes from your old description:

• Opens with AI capabilities, not "track income and expenses"
• Statement Analyzer is front and center (your strongest differentiator)
• "4-Way Smart Input" positions the multi-modal entry as a feature, not just buttons
• "AI Spending Insights" highlighted as its own feature
• Google Sheets described as "live sync" not just "export"
• Basic features (categories, search, charts) pushed to a single line at the bottom
• Every bullet answers "why is this not just another expense tracker?"