Ledger: Pay Cycle Planner

Life doesn't follow a monthly schedule.

Rent, groceries, subscriptions, payment plans and unexpected expenses rarely line up neatly. Ledger is designed around your pay cycle, helping you see what's coming in, what's due, what's being set aside and what's left before your next payday.

Whether you're paid weekly, fortnightly or monthly, Ledger brings your income, expenses, savings and future commitments into one clear plan, without the complexity of a traditional monthly budget.

Plan around your pay cycle

• Build your plan around weekly, fortnightly or monthly pay cycles • Add salary, hourly, casual and variable income • Manage multiple income streams in one place • View Australian tax estimates for each income stream

Estimated tax only. Not financial or tax advice.

Stay ahead of expenses

• Track recurring and one-off expenses • See bills, subscriptions and payment plans in the pay cycle they belong to • Mark expenses as paid or defer them when plans change • Set reminders for upcoming payments and choose when Ledger notifies you • Keep future payments visible before they catch you off guard

Organise what you're setting aside

• Set aside money in custom allocation pockets • Create Savings pockets with optional target amounts and dates • Plan regular contributions, add extra savings and track withdrawals or adjustments • Optionally track spending within each allocation while keeping the focus on your wider plan • See how expenses, allocations and savings affect what you'll have left

Designed for clarity

Ledger is a pay-cycle planning space for understanding what's coming in, what's due, what's being set aside and what remains before payday.

There is no need to connect your bank or turn every purchase into a transaction to categorise. Ledger keeps the focus on the bigger picture, so you can plan ahead without adding more financial noise.

Privacy first

Ledger works without bank connections. Your planning data is stored locally on your device and remains under your control.

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