Ledger — 50/30/20

A calm, private budget built on the 50/30/20 rule. Split your income into Needs, Savings, and Wants, then track spending and savings habits simply and securely.

Ledger is a calm, private way to budget with the proven 50/30/20 rule.

Your income splits into three simple categories: Needs, Savings, and Wants. Ledger shows you exactly where you stand at a glance. No spreadsheets, no bank logins, no clutter.

BUILT ON 50/30/20 • Set your monthly income and let Ledger split it into Needs (50%), Savings (20%), and Wants (30%) - or customize the percentages to fit your goals. • Watch each bucket fill as you log spending, with clear "remaining" and "over budget" cues. • Close out each month and start fresh; past months stay archived.

PRIVATE BY DESIGN • No account, no sign-in, no ads, no tracking, no analytics. • Your data lives on your device and syncs through your own iCloud. No one but you sees it. • Optional Face ID or supported biometric lock. • Apple Intelligence on device processing, your data doesn't leave your device.

EVERYWHERE YOU ARE • Native apps for iPhone, iPad, Mac, and Apple Vision Pro. • Home Screen and Lock Screen widgets for a glance at what's safe to spend. • Quick-add with Siri, the Action Button, and Shortcuts.

THOUGHTFUL TOUCHES • An on-device AI command bar: type "spent $40 on groceries and $12 on coffee" and Ledger adds the transactions - processed entirely on your device. • Budget alerts when a bucket nears or passes its limit. • Beautiful themes with full Light and Dark Mode support. • Export your data anytime as JSON or CSV.

Ledger isn't trying to connect to your bank, run ads, etc. It's a simple, honest tool to help you spend with intention.