Budgets that keep up
Give each category a monthly budget, group them, and let what you didn't spend roll into next month.
Free · Private · Works on your phone
Know where your money goes.
Money Ledger is a free, private money tracker. Text a purchase from any phone, set budgets that roll over, and see everything in clear charts.
No bank login needed. Setup takes about a minute.
Text it. It's recorded.
Send a quick text to your own Google Voice number, from any phone. It shows up in your ledger within minutes, already in the right category. Texting is optional; you can always add things by hand.
Everything in one place
Import a statement
Drop in a bank or card statement: CSV, Excel, Word or PDF. Anything you already recorded is spotted and skipped.
Bills that wait for you
Rent, subscriptions and paychecks come up when they're due, and are recorded only when you confirm the money moved.
What you own and owe
Bank accounts, cards, loans and investments add up to your net worth, month by month.
Reports you can open up
Filter by anything, then tap a line to see what's inside it, down to each transaction.
Private by design
Your ledger is yours alone. Nothing is sold, shared or tracked, and you can export or delete everything any time.
Also: install it on your phone like an app, choose from eight color themes with a dark mode, and split one purchase across categories.
How it works
- 1
Create your account
Just an email and a password. You start with a few categories and a Cash account.
- 2
Add your accounts
Your bank, cards and loans, with today's balances. No bank login is ever needed.
- 3
Record as you go
By text, by hand, or by importing a statement. The charts fill in on their own.
Start tracking today.
It's free, and it takes about a minute.