Every account, debt and investment. One place.

Track daily spending, plan budgets, follow your portfolio and get an AI plan to become debt-free, without spreadsheets or switching apps.

Google sign-in supported. Your data stays private to your account.

How Ledgerly works, start to finish

Create your account
Sign up with email or Google, verify your email and you land on your dashboard.
Add your accounts
Banks, credit cards, loans, wallets and money lent or borrowed. Balances start from today.
Log money in and out
Every income, expense and transfer updates the right balances automatically.
Set limits and connect brokers
Give each category a monthly limit and sync Zerodha, Upstox or Dhan holdings.
Get advice and a debt plan
AI reads your numbers and tells you what to fix, invest and pay this month.
Review and export
Open reports, track loans and send tax-deductible entries to your accountant.

Sign in safely, your way

Email and password

Name, email and a strong password. Passwords are stored hashed, never in plain text.

Google sign-in

Email verification

A verification link confirms your identity right after you register.

Forgot password

Request a time-limited reset link. Expired or used links are blocked with a clear message. "Remember me" keeps you signed in longer.

The nine pages inside the app

After login, a single menu takes you to every page below.

Dashboard

Your financial command centre. See where you stand the moment you log in.

Overview cards: total assets, total liabilities and this month's income vs expenses with surplus or deficit.
Spending donut: expenses by category with percentage and amount.
Upcoming transactions: EMIs, subscriptions and bills with auto-calculated due dates.
Recent transactions: latest activity across accounts, green for income and red for expense.
Net worth trend: line chart for 3 months, 6 months or 1 year.
Calendar: green dot for income days, red for expense days. Hover a date to see its exact transactions.

Accounts

Every account type in one list, with live balances that update as you add transactions.

Types: bank, loan, credit card, digital wallet and peer-to-peer.
Credit cards: credit limit, available balance and a utilisation bar, such as ₹42,000 of ₹1,00,000 used.
EMI conversion: mark a loan as a card EMI, link it to the card and see the tentative upcoming bill.
Peer-to-peer: record who you lent to or borrowed from, with optional interest (0% allowed) and optional due date. Accrued interest, partial repayments and your net position are tracked.

Transactions

Record every rupee that comes in, goes out or moves between your own accounts.

Entry form: type, account, amount, category and sub-category, date, comments, notes and a receipt upload.
Add category inline: create a new category without leaving the form.
Recurring: choose daily, weekly, monthly or yearly, and the day of month. These feed the dashboard reminders.
Auto balances: income adds, expense subtracts, transfer moves money between accounts.
Tax deductible: tick a box to include it in your tax export.
Filter and sort: by category, date range, account, type and amount, with totals for the filtered set.

Budget

Set a monthly limit per category and watch it fill as you spend.

Monthly limits: for example Food ₹10,000 and Entertainment ₹3,000, adjustable each month.
Progress bars: green under 75%, orange from 75% to 99%, red at 100% or more.
Alerts: a badge appears the moment a category goes over budget.

Investments

Your whole portfolio with returns, pulled straight from your broker.

Portfolio table: asset, invested amount, current value, gain or loss in ₹ and %, plus overall return.
Broker connect: Upstox, Zerodha and Dhan. Live holdings are fetched automatically.
Refresh: data syncs periodically or whenever you ask.

AI Advisory

Plain-language advice based on your own numbers, powered by Google Gemini.

Six report cards: Full Analysis, Spending Insights, Investment Tips, Emergency Fund, Debt Strategy and Goal Planning.
Specific, not generic: built from your assets, liabilities, income, category spending and recurring bills.
History sidebar: every report is saved with a timestamp so you can read it again.

Debt Optimizer

Find the fastest, most sustainable way out of debt.

Portfolio summary: total debt, blended interest rate and total minimum payments.
Snowball or Avalanche: toggle between smallest-balance-first and highest-interest-first, with projections for each.
This month's payment: the exact amount to pay toward each debt.
Payoff roadmap: a timeline for every debt and your projected debt-free month.
History: compare past plans over time.

Reports

Filterable reports you can export as CSV or PDF.

Six reports: income, expense, account, credit card (with EMIs), bank account and loan.
Loan summary: lender, EMIs paid and pending, ROI, total payable, principal outstanding, next EMI date and status.
True Cost calculator: enter a price and see it in hours of your working life.
Tax export: one click for tax-deductible transactions, ready for your accountant.

Settings

Make the app match how you read money.

Profile: change display name and password.
Preferences: currency, date format, digit grouping and decimals, and hourly wage for the True Cost calculator.
Theme: dark or light mode, remembered on your next visit.