Works in your currency · Splits · Budgets · AI advisor

Split the bill. Skip the awkward “you owe me” texts.

Free forever. No app your friends need to download.

Built for Indian users. Works for everyone else, in your currency.

Free to start. No card. No noise. No ads, ever.

languageWebandroidAndroid · in testingphone_iphoneiOS · coming soon

India's most loved personal finance and budget app

No spreadsheets. No juggling five different apps. No nasty surprise on the 28th. Just a clear picture of where you stand the moment you open it.

Reviewed by finance professionals

CCCA ChinmayChartered Accountant

CRCA RameshChartered Accountant

Why LedgeKar

Not just another budgeting app.

LedgeKar feature comparison with Splitwise and Monarch Money
Feature	LedgeKar	Splitwise	Monarch Money
Expense splitting	✓ Free	✓ Free (limited)	—
UPI settle in one tap	✓	—	—
India: FDs, SIPs, UPI	✓	—	—
Couples / household	✓	—	✓
Monthly budgeting	✓	—	✓
AI financial advisor	✓ Gold	—	—
No ads, ever	✓	— Free has ads	✓ Paid
Free tier	✓ Permanent	✓ Limited	— $14.99/mo

Coming from Splitwise? Import in 60 seconds How we compare to Monarch Money →

See detailed comparisons

vs Splitwise vs YNAB vs Monarch Money vs Copilot Money vs Quicken Simplifi vs Goodbudget

What people are saying

“Finally killed the "who owes who" chaos in our friend group. We split every weekend trip and dinner through LedgeKar — UPI settle in one tap means no one has to chase anyone at the end of the month.”

Arjun Marimuthu

Chennai · group expense splitting

“Set up my salary-split budgets in under five minutes. Three months in I can see exactly where each rupee goes — subscriptions, rent, food, everything. First budgeting tool that didn't feel like homework.”

Siva Karthik

Bengaluru · monthly budget envelopes

“Set up an emergency fund goal in two minutes. Watched it fill up over four months. Knowing the exact number I needed made it feel real — not just a vague "save more" reminder.”

Vijaya C

Coimbatore · savings goals

“Cleared ₹1.4 lakh in personal loans in 8 months. Seeing the payoff date move earlier every time I made an extra payment kept me honest. Never going back to a spreadsheet.”

Nelson

Kochi · debt payoff tracker

“Asked the AI advisor why my savings rate was dropping. It spotted that my subscriptions had quietly grown to ₹4,200/month — stuff I'd forgotten I was paying for. Found it in seconds. Worth every rupee of Gold.”

Abhijit C

Pune · AI advisor (Gold)

“My partner and I finally stopped the "who paid what" arguments. Shared household view, private personal ledger — the boundary is exactly right. First app that actually understood how couples manage money.”

Meghana R

Hyderabad · household finance with partner

See it in action

A quick glance at how LedgeKar works

ledgekar.com/dashboard

Your money this month

$24,500

▲ $620 this month

Weekend trip, 4 friendsyou're owed+$42

Cash and bank$5,600

Stocks and funds12 investments$15,800

Shared money

Splitting the bill shouldn't cost you a friendship.

Dinners, the weekend trip, the flat you all share. Log it once and everyone sees exactly who owes what. Settle in one tap over UPI. No chasing, no awkward reminders, no 'I'll send it later' that never comes.

Coming from Splitwise? Import in 60 seconds

owed $0

Aarav, groceriesyou owe $8.50

Settle upPay $8.50

Two people, one home

Share the money that's shared. Keep the rest yours.

See the household together: rent, groceries, the EMI. Your personal spending stays personal. It is built for the way couples and families really handle money, not a shared login and crossed fingers.

Set up household sharing

Shared, visible to both

Rent$1,800

Groceries$480

Your private spending•••• hidden

Everything in one view

Your FDs, your SIPs, your spending, finally on one page.

LedgeKar gathers your accounts, investments and recurring charges into one honest net-worth view. It even catches the subscriptions you forgot you were still paying for, right down to the digital gold.

See your whole net worth

Net worth

Investments$15,800

Cash and bank$5,600

3 forgotten subscriptions$42/mo

A year ahead

Know how the month ends before it does.

A quiet forecast runs in the background and tells you, plainly, whether you will hit your goals. If you won't, it shows you what to nudge. No jargon. No dashboards you will never open.

Get your forecast

JulAugSepOctNovDec

92% likelyYou reach your $5,000 emergency fund by December.

LedgeKar isn't built for everyone. It's built for the few.

It rewards discipline. Track your money honestly and it sharpens fast, well past anything built for the mass market. If you have outgrown spreadsheets and beginner budgeting apps, you are who we made this for.

Product Hunt#1 Product of the Day

Built like a bank should be. Quieter about your data than one.

Your finances are personal, and we keep them that way. Strong encryption, privacy-first defaults, and no advertising business hidden behind the scenes.

Private by default

Your information is yours. We never sell it, and access is strictly limited and audited.

Encrypted and secure

Encrypted in transit and at rest, protected by layered security controls.

Export or delete anytime

Take everything with you, or wipe it for good, in a couple of taps.

No ads. Not now. Not ever.

We sell software, not you. No ad business running quietly in the background.

Simple, honest pricing

Free for the disciplined. Gold for the relentless.

Free

Always free. No card.

Group expense splitting
UPI settle in one tap
Monthly budget envelopes
Savings goals
Debt payoff tracker
Splitwise import

Get started free

Gold

Early adopter pricing — locked in for life if you upgrade now

~$3/month

Cancel anytime.

Everything in Free
AI financial advisor
12-month forecast
Portfolio tracker (FDs, SIPs, stocks)
Couples household sharing
Priority support

Upgrade to Gold, ~$3/month

Ready to run your money like you mean it?

It takes under a minute to sign up. Bring a friend and the splitting starts straight away.

Get started free

Free to start. Cancel anytime. Your data stays yours.

What is LedgeKar?

LedgeKar is a free expense tracker app and money management app built India-first. It brings the everyday jobs of a budget tracking app, a finance tracker app and a money tracker app into one calm, private place. Use it as a daily expense tracker to log where the money goes, as a spending tracker to spot leaks, and as a tidy expense manager that keeps the whole picture in order. As an expense tracker India users actually enjoy, every amount is in rupees and every settle-up runs over UPI.

A budget app that does the planning for you

Beyond tracking, LedgeKar is a personal budgeting app with monthly envelopes, making it a genuine budget management app and smart budgeting app rather than a glorified spreadsheet. It works as a financial planning app and a cash flow tracker that forecasts how your month ends before it does. A built-in budget calculator app and a no-login EMI and prepayment tool double as a debt payoff tracker, so you can see exactly how fast extra payments clear a loan.

Built for couples, families and everyone in between

Households and families. A household budget app and budget app for families that shares the shared money, like rent and groceries, while your private spending stays private.
Couples. The friendliest expense tracker for couples in India: see the home together, keep the rest yours, no shared login required.
Savers and investors. A savings tracker app, a personal wealth tracker and a net worth tracker that pulls FDs, SIPs, cash and digital gold into one honest total.
Anyone watching the rupees. A money saving app that catches forgotten subscriptions and nudges you toward your goals, all on a free tier with no ads.

A privacy-first alternative to Splitwise, YNAB, Mint, and Monarch Money

If you are searching for the best budgeting app or a free budgeting app that respects your data, LedgeKar is a serious alternative to Splitwise, YNAB, Mint, and Monarch Money, designed for how India actually handles money. One app replaces the spreadsheet, the splitter and the tracker, with UPI settle-up built in.