L Ledgerly by Novarch LLC Back to Novarch

Private money tracking built around net worth

Track the full shape of your finances without handing your data to the cloud.

Ledgerly is an offline-first personal finance app with multi-currency wallets, fast transaction capture, budgets, goals, manual assets and liabilities, and optional price refresh for crypto and stocks. The point is simple: keep the data on-device and still get a serious financial dashboard.

Join Android beta Explore the dashboard
Featured on Product Hunt

Native on iPhone with SwiftUI, with the Android port now in active Compose development.

Home overview Base currency view

Net worth

$124,800

Across wallets, assets, investments, and liabilities.

Financial health

7D cash flow +$420
Liquidity ratio 1.8x

Spending cadence

Today $24
This week $212
This month $846

Income progress

  • Storage On-device by default
  • Exchange rates Official or manual FX
  • Portability Manual JSON backup and restore
Onboarding 4-step setup
Dashboard Reorderable widgets
Coverage Wallets to investments
Control Backup, import, export

Dashboard Showcase

The dashboard is designed like a daily financial cockpit.

Ledgerly centers the product around card-based widgets for net worth, financial health, expenses, cadence, and income progress. These cards are already laid out as screenshot-ready frames, so your mock widget captures can replace the placeholders directly.

Widget 01

Net Worth Breakdown

Light + dark
Ledgerly Net Worth Breakdown widget in light mode with a donut chart for wallets, investments, and liabilities.
Light mode
Ledgerly Net Worth Breakdown widget in dark mode with a donut chart for wallets, investments, and liabilities.
Dark mode

Base-currency totals, composition view, and snapshot deltas in one card.

Widget 02

Financial Health

Light + dark
Ledgerly Financial Health widget in light mode showing a 7 day range with cards for cash flow, liquidity, investments, and FX exposure.
Light mode
Ledgerly Financial Health widget in dark mode showing a 7 day range with cards for cash flow, liquidity, investments, and FX exposure.
Dark mode

Cash flow, liquidity, investment profit, and FX exposure in one scan.

Widget 03

Spending Cadence

Recording
Live app recording

Delta-aware daily, weekly, and monthly spending linked to filtered transactions.

Widget 04

Income Progress

Light + dark
Ledgerly Income Progress widget in light mode showing monthly income bars for 2025 and a yearly total.
Light mode
Ledgerly Income Progress widget in dark mode showing monthly income bars for 2025 and a yearly total.
Dark mode

Yearly bar charts with month selection and prior-year comparisons.

Widget 05

Expense Breakdown

Light + dark
Ledgerly Expense Breakdown widget in light mode showing a donut chart, 7 day range selector, category list, and total expense.
Light mode
Ledgerly Expense Breakdown widget in dark mode showing a donut chart, 7 day range selector, category list, and total expense.
Dark mode

Category-level expense mix with range switching and change badges.

Feature Tour

Built for finances that extend beyond one checking account.

The product model from the READMEs is unusually complete for a personal finance app: wallets, transfers, budgets, goals, manual entries, exchange rates, and market data all live in the same system.

Wallets

Multi-currency accounts and income sources

Track banks, cards, cash, and source wallets with native balances, base-currency reporting, and icon-driven organization.

Transactions

Fast capture with filters, transfers, and detailed editing

Grouped daily entries, transfer-aware forms, category creation, note search, and a detail editor built for quick corrections.

Budgets

Monthly limits with threshold alerts

See spend versus limit by category and trigger 50, 80, or 100 percent notifications when alerts are enabled.

Goals

Savings goals with progress math and deadlines

Track remaining targets, monthly pacing, contribution history, and wallet-linked progress in one place.

Manual Entries

Assets, receivables, investments, and liabilities

Keep non-wallet value inside the same ledger, including funding wallets, profit tracking, and original-currency values.

Exchange + Market Data

Official or manual FX with optional live prices

Core tracking stays offline, while ExchangeRate-API, CoinGecko, and Alpha Vantage remain optional enhancements.

Trust By Design

Offline-first is the operating model, not a marketing claim.

Ledgerly stores the important data locally on-device. Core finance tracking works without network access, and network calls are only used when you explicitly opt into official exchange rates or live market pricing.

01

Data stays local

Core Data on iOS and Room on Android keep the ledger close to the device, not locked behind a required account.

02

Missing rates do not break the app

When FX data is unavailable, Ledgerly preserves native values instead of blocking calculations outright.

03

Manual backup remains yours

JSON export and restore keep the product portable without turning it into a cloud dependency.

Android Beta

Ledgerly Android is open for internal testing.

The Android port is in active MVP development with usable core flows and ongoing UI parity work against the iOS app. If you want in, use the same Google account for signup and installation.

Step 1

Submit your tester email

Add the Google account email you will use for Google Play so it can be added to the internal test list.

Submit email address

Step 2

Install from Google Play

After approval, open the internal testing link and install the latest beta build from Google Play.

Open beta install link

Step 3

Report issues and usability gaps

Send bugs, confusing flows, or polish notes through the tester report form so the beta can tighten fast.

Reminder that beta access in Google Play may take a few hours after signup.
If access does not appear immediately, wait a bit and reopen the install link.
Open tester report form

Manual follow-up

Need help getting approved?

If you already submitted your email and still do not see the beta, message me directly on Telegram for approval follow-up.

Open Telegram