Freedom251 › Personal Finance Software
ldgr
What ldgr is
ldgr is a personal-finance service for tracking income and spending, splitting shared expenses, and projecting balances forward. AI receipt scanning extracts totals, dates, and categorized line items. Transactions retain their native currency, with support for more than 165 currencies. Forecasts can cover three months, six months, or a full year using templates, recurring entries, and scheduled income. Shared expenses can be divided equally, by exact amounts, percentages, shares, or items, and ldgr calculates a minimum-payment settlement plan. Budgeting, bill tracking, and report export are included. Its MCP server works with Claude Desktop, Cursor, and other MCP clients, offering 72 tools and 17 prompts on every tier. MCP access supports OAuth 2.1 or API keys with read, write, and delete scopes. The maker says data is stored on EU servers, encrypted at rest, and protected in transit with TLS. Free access includes unlimited groups, members, and expenses, but excludes receipt scanning and file attachments.
Who it suits
ldgr suits personal budgeting and shared-expense groups such as friends, flatmates, and other groups. It also fits users who want forecasting or MCP connections.
What it does well
- Supports more than 165 currencies
- Multiple methods for splitting expenses
- Forecasts up to a full year
- MCP server available on every tier
- Free plan includes unlimited groups and expenses
What to know first
- Free plan excludes receipt scanning and attachments
- Recurring templates require Supporter
- Mobile availability is described as coming soon
- Pro lists a one-time purchase price
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Free | Forever · Unlimited groups, members, and expenses · four split methods · offline mode · 165+ currencies · no receipt scanning or file attachments | Free |
| Trial | 7 days · Includes Free features · monthly analytics · CSV export · 1 receipt scan · 3 file attachments · no recurring templates, payment accounts, or PDF reports | Free |
| Supporter | Per year · Includes Pro · 100 receipt scans/month · 500 file attachments · recurring templates · forecast · payment accounts · PDF reports | $9.99 a year |
| Pro | One-time purchase · 10 receipt scans/month · 50 file attachments · analytics and CSV export · no recurring templates, payment accounts, or PDF reports | $5.99, paid once |
As ldgr.money lists them, read 12 Oct 2026. The maker's own page has the final word.
Verdict
ldgr combines personal finance, shared settlements, receipt processing, forecasting, and MCP access. Review mobile availability and plan-specific limits before relying on it.
Facts from ldgr's own pages
- AI access security
- MCP access supports OAuth 2.1 or API keys with read, write, and delete scopes; keys are SHA-256 hashed and can be revoked. · ldgr.money, 12 Oct 2026
- Audience
- The product is presented for personal finance and shared expenses among friends, flatmates, and groups. · ldgr.money, 12 Oct 2026
- Availability
- The site says iOS and Android are coming soon and invites users to request preview access. · ldgr.money, 12 Oct 2026
- Bill tracking
- Yes · ldgr.money, 22 Sept 2026
- Budgeting tools
- Yes · ldgr.money, 22 Sept 2026
- Currencies
- Transactions retain their native currency, and the product supports more than 165 currencies. · ldgr.money, 12 Oct 2026
- Data security
- The maker says data is stored on EU servers, encrypted at rest, and protected in transit with TLS. · ldgr.money, 12 Oct 2026
- Forecasting
- Balance forecasts can cover three months, six months, or a full year using templates, recurring entries, and scheduled income. · ldgr.money, 12 Oct 2026
- Free plan
- Yes · ldgr.money, 22 Sept 2026
- Integrations
- The built-in MCP server supports Claude Desktop, Cursor, and other MCP clients, with 72 tools and 17 prompts available on every tier. · ldgr.money, 12 Oct 2026
- Limits
- Recurring expense and income templates are Supporter features; the Free plan excludes receipt scanning and file attachments. · ldgr.money, 12 Oct 2026
- Privacy
- The maker says it does not sell user data, serve ads, or use tracking pixels or third-party analytics in the app. · ldgr.money, 12 Oct 2026
- Purpose
- ldgr tracks personal income and spending, splits shared expenses, and projects balances forward. · ldgr.money, 12 Oct 2026
- Receipt processing
- Receipt images are sent to Google's AI for text extraction and, according to the privacy policy, are not stored beyond the processing request. · ldgr.money, 12 Oct 2026
- Receipt scanning
- AI receipt scanning extracts the total, date, and categorized line items. · ldgr.money, 12 Oct 2026
- Report export
- Yes · ldgr.money, 22 Sept 2026
- Shared expenses
- Expenses can be split equally, by exact amounts, percentages, shares, or items, and ldgr calculates a minimum-payment settlement plan. · ldgr.money, 12 Oct 2026
- Support
- The MCP documentation directs integration questions and issue reports to the maker's email contact. · ldgr.money, 12 Oct 2026
Where ldgr stands on Freedom251
- Personal Finance Software#85 of 181