A private, automatic money app for Android, built for the way money actually moves in India. Ledgerly reads the transaction SMS your bank already sends, so you never log an expense again. Then it goes where other trackers stop: it tells you which credit card to swipe, and counts the cashback you are leaving behind.
The texts your bank already sends, read into a ledger as you scroll. No typing, no accounts, no sign-up.
Nothing leaves your phone.
Most expense trackers die the same way. They make you type in every purchase, you keep it up for about a week, and then you stop. The ledger goes stale and the app gets deleted.
Ledgerly does the opposite. It reads the debit, credit, and balance messages your bank already sends, and turns each one into a clean transaction tagged to the right bank and card. When a message leaves out the detail, an optional accessibility helper reads the itemized order screen inside apps like Blinkit and Swiggy, so one order becomes a full list of items and fees. Receipts and PDF statements import too, through a review queue.
This is the part most finance apps never reach. Ledgerly keeps a detailed rewards profile for every card you carry: per-category rates, monthly caps, exclusions, foreign-exchange markup, annual fees. A cap-aware calculator then ranks every card for every purchase you make.
So it can name the best card for each transaction, keep a running figure of the rewards you left on the table, and replay your entire spending history against any card, or any combination of cards, in the Card Simulator. Welcome Bonus Radar projects when a card will clear its sign-up threshold. Card Karma scores how often you actually swiped the best one. A leak detector catches autopay charges quietly routed to a worse card.
Of all the cards you carry, which ones actually pay you back, and are you using them right?
Ledgerly does not stay inside its own app. With an optional accessibility helper, it draws a small overlay on top of whatever you are doing.
On a Zomato or Blinkit checkout screen, a pre-swipe nudge appears before you pay and names the best card for that order. The Goose, a quiet on-screen mascot, honks your month-to-date spend while you browse. Both run entirely on your device. Nothing about the screen underneath is ever sent anywhere. This is a real, working feature, not a concept.
Rewards you miss are invisible. There is no number, no running total, no sense of the leak. The Cashback Bank fixes that. It is a virtual account that accrues every rupee of cashback you missed, with a twelve-month history and a projection of what better card routing would save you.
It also makes the abstract concrete. Missed cashback gets translated into things you recognize: a number of coffee runs, tanks of fuel, a year of a streaming subscription. And Card Karma keeps a rolling thirty-day score of how often you reached for the best card, with a streak worth protecting.
Most overspending is only visible at the end of the month, when it is far too late to change anything. Ledgerly forecasts the month day by day, projects your month-end balance, and flags the days a shortfall is heading toward you.
Rule-based detectors watch for category overruns, unusually large bills, new merchants, and late-night spending bursts, and refresh every day. The Insights hub draws it together: a monthly spend headline, a trend line, a category breakdown, the total you paid in fees, and a plain-English summary of how the month is going.
Savings and purchase goals sit on a live allocation engine that works out how much free cash each goal should receive this month, and every goal carries a realistic completion date. Make a large purchase and you see exactly how many days it pushed a goal back.
Subscriptions are tracked by cadence, with a review prompt before a charge is expected, so nothing renews behind your back. The Loan Ledger keeps track of money lent to and borrowed from friends, with a net position and gentle reminders, so informal loans finally have a paper trail.
Ledgerly has AI features, and they are optional. They run on your own OpenAI key, stored encrypted on the device. There is no shared model and no usage routed through us.
A narrator tells the plain-language story of your spending. The Card Concierge is a chat that answers questions grounded in your real wallet and card data. Wallet Wrapped is a shareable, year-in-review card that names your spending personality. And there is a light-hearted roast of your habits, built to share. It is the same bring-your-own-key principle the studio keeps returning to.
Everything that matters runs on the device. Your transactions, balances, forecasts, and reward math are computed locally, with no account and no Ledgerly server holding your data. There is no advertising and there are no analytics SDKs. The optional features that can send data off the device, like the AI tools that run on an OpenAI key you own, are opt-in, and the privacy policy names every one.
And it is built for India in the details that matter: sender names canonicalized across dozens of Indian banks, amounts grouped the Indian way, EMI and e-mandate handling, and merchant coverage for the apps people genuinely use. Hundreds of unit tests cover the calculation engines, so the reward math and the forecasts behave the same way every time.
Ledgerly is in active development. The SMS capture pipeline, the credit-card engine, and the accessibility overlay all work end to end on a real device. What is left is the long tail: hardening the parser against every bank message format there is, and polishing the app before submission.
It is pre-launch, and not yet on the Play Store. When it is ready, that is where it will be. The privacy policy is published here ahead of submission.
For setup steps, a feature reference, and the FAQ, see the docs at ledgerly.madmaxlabs.com.
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