Simple Ledger Sheet

Track every account, every loan, and every bill — in one place, without handing over any account numbers. Accounts. Add your checking, savings, and credit card balances and log expenses as they happen. Rename anything to match how you actually think about your money. Loans. See a real payoff date for every loan, calculated from its actual balance, rate, and payment — not a guess. Make a payment and watch it split correctly into interest and principal, applied to both your account and the loan balance. Bills. Split your bills across pay periods and see exactly what's left in your paycheck after they clear — before they're due, not after. Private by design. The Ledger never asks for an account number, a routing number, or any way to identify you. Just the labels, balances, and rates you choose to enter. Face ID or your device passcode keeps it locked, and backups sync through iCloud, encrypted the same way Apple encrypts everything else on your phone. Built for iPhone and iPad. A real sidebar and split view on iPad — not a stretched-out phone screen. The Ledger doesn't connect to your bank, doesn't sell data, and doesn't need to know who you are to help you track what you owe and what's coming due.