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Personal Ledger

by Jad Salhani more by this developer →

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Category: Finance

Description

Personal Ledger keeps your monthly cashflow honest. Set a plan for what should come in and go out each month, then verify it against what actually happens — the way you would in a spreadsheet, without the spreadsheet work.

PLAN VS. ACTUAL
• Organize income, living expenses, liabilities, and investments the way you think about them
• See at a glance which categories are on plan, ahead, or overspent
• Plan health is pro-rated by day of month, so you don't get false alarms on the 3rd

FAST LOGGING
• Add a transaction in seconds
• Log expenses straight from bank SMS notifications with a Shortcuts automation — parsed on your device

BRING YOUR SPREADSHEET
• Import your existing cashflow plan from an Excel workbook (.xlsx)
• Your categories, planned amounts, and payment sources come across automatically

THE FULL PICTURE
• Monthly cashflow: active income minus expenses, with passive income tracked separately
• Balance sheet with assets, liabilities, and net worth
• Cashflow per payment source, so you know which account is bleeding

PRIVATE BY DESIGN
• All data stays on your iPhone — no account, no cloud, no tracking
• No ads, no analytics, no third-party SDKs phoning home

Built for people who already run their money on a spreadsheet and want the discipline without the drudgery.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Alternatives to Personal Ledger

Name	Ratings	Rating
Personal Ledger: Pro Finance by 斌 曾	1	5.0	compare
Defter: Personal Ledger by Mediterra AI LLC	1	5.0	compare
Upstart: Personal Loans + More by Upstart Network, Inc.	43,776	4.9	compare
Moniepoint Personal Banking by Moniepoint Inc	31,431	4.6	compare
Prosper: Personal Loans by Prosper Marketplace, Inc.	23,992	4.8	compare
T. Rowe Price Personal® by T. Rowe Price	22,951	4.6	compare
Ledger Wallet™ crypto app by Ledger SAS	15,150	4.9	compare
Byline: Personal & Business by Byline Bank	7,081	4.7	compare
Bankers Trust M+ Personal by BTC Financial Corporation	4,115	4.8	compare
Southern Bank Personal by Southern Bancshares N.C., INC.	3,957	4.8	compare

Growth

Change in ratings, scaled to each window from the real gap between crawls. A window needs a full period of history before it reports anything.

History

Tracking since 09/05/2026. History accumulates as changes are observed — check back soon.