Freedom251 › Personal Finance Software
Ledger
by Ledger
What Ledger is
Ledger is an iPhone budgeting app built around pay cycles. It brings income, expenses and remaining funds together, letting users add salary, shifts and extra income with Australian tax estimates and custom penalty rates. Bills, subscriptions, payment plans and everyday spending can be assigned to their relevant pay cycle. Savings pockets support regular contributions while tracking balances, progress and history. The app also shows recurring expenses, category totals and annual estimates for future planning. Ledger works without bank logins, card details or connected accounts. From version 1.1.0 onward, planning data is stored locally on the device rather than Ledger-owned servers. The free plan lasts forever and includes one income stream, two custom accounts and basic adjustments. Ledger Pro costs A$5.99 a month and adds unlimited income streams, categories, adjustments, payment plans, deferrals and allocation rollover. Reports can be exported.
Who it suits
It suits iPhone users, especially in Australia, who plan finances by pay cycle without linking bank accounts.
What it does well
- Pay-cycle budgeting
- Australian tax estimates
- Savings pockets and progress tracking
- No bank login required
- Free plan available
What to know first
- iOS only
- Australian tax estimates may not suit international users
- Local data may not sync between devices
- Paid plan costs 5.99 AUD monthly
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Free | Free forever · Budget built around pay cycle · Australian tax estimate on one income stream · Two custom accounts · Basic income adjustments · Data stays on device | Free |
| Ledger Pro | $5.99 per month · Unlimited income streams with tax estimates · Unlimited custom categories and pay-cycle adjustments · Unlimited payment plans, deferrals and allocation rollover | A$5.99 a month |
| Ledger Pro | $49.99 annually Save 30% · Unlimited income streams with tax estimates · Unlimited custom categories and pay-cycle adjustments · Unlimited payment plans, deferrals and allocation rollover | $49.99 a year |
| Ledger Pro | $89.99 lifetime · Unlimited income streams with tax estimates · Unlimited custom categories and pay-cycle adjustments · Unlimited payment plans, deferrals and allocation rollover | $89.99, paid once |
As useledger.co lists them, read 11 Oct 2026. The maker's own page has the final word.
Verdict
Ledger focuses on pay-cycle organization with local storage and optional Australian tax estimates. Its iOS-only availability and local backup responsibility matter when choosing it.
Facts from Ledger's own pages
- Advice limitation
- Ledger describes itself as planning and organisation software, not a bank, accountant, tax agent, financial adviser, lender, super fund, investment service, payment provider or credit provider. · useledger.co, 11 Oct 2026
- Bank connections
- Ledger works without bank logins, card details or connected accounts. · useledger.co, 11 Oct 2026
- Bill tracking
- Yes · useledger.co, 22 Sept 2026
- Budgeting tools
- Yes · useledger.co, 22 Sept 2026
- Data limits
- Local-only data may not sync between devices or be recoverable if the app or device data is lost, so users are responsible for their own backups. · useledger.co, 11 Oct 2026
- Expenses
- Ledger tracks bills, subscriptions, payment plans and everyday expenses in the pay cycle they belong to. · useledger.co, 11 Oct 2026
- Free plan
- Yes · useledger.co, 22 Sept 2026
- Headquarters
- Melbourne, Australia · useledger.co, 28 Sept 2026
- Income
- Users can add salary, shifts and extra income, with Australian tax estimates for each stream and custom penalty rates. · useledger.co, 11 Oct 2026
- Intended users
- Ledger is designed for Australian pay-cycle planning, and its Australian tax estimates may not apply to international users. · useledger.co, 11 Oct 2026
- Mobile apps
- ios · useledger.co, 22 Sept 2026
- Outlook
- Ledger shows recurring expenses, category totals and annual estimates to help plan future pay cycles. · useledger.co, 11 Oct 2026
- Platform
- The site says Ledger is available on iPhone. · useledger.co, 11 Oct 2026
- Purpose
- Ledger is a pay-cycle planning app that brings income, expenses and remaining funds together. · useledger.co, 11 Oct 2026
- Report export
- Yes · useledger.co, 22 Sept 2026
- Savings
- Users can create savings pockets, set regular contributions and track balances, progress and history. · useledger.co, 11 Oct 2026
- Security
- The privacy policy says Ledger may offer Face ID, Touch ID or app lock, and does not receive or store biometric templates. · useledger.co, 11 Oct 2026
- Storage
- From version 1.1.0 onward, app financial planning data is stored locally on the device and Ledger says it does not currently store that data on Ledger-owned servers. · useledger.co, 11 Oct 2026
- Subscriptions
- Apple processes App Store purchases, while Adapty handles limited subscription and technical information for Ledger Pro; Ledger says it does not provide Adapty with financial planning data. · useledger.co, 11 Oct 2026
- Support
- Users can contact [email protected] for support and privacy requests, and may send screenshots or exports for help. · useledger.co, 11 Oct 2026
Where Ledger stands on Freedom251
- Personal Finance Software#125 of 181