One calm place for your spending, the bills you split, and the goals you're saving for. The complicated parts stay simple.
Free to start. No card. No noise. No ads, ever.
Net worth
₹18,42,650
▲ ₹46,200 this month
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.
Shared money
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 secondsTwo people, one home
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 sharingEverything in one view
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 worthNet worth
₹18,42,650
A year ahead
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 forecast92% likelyYou reach your ₹5L emergency fund by December.
It rewards attention. The more honestly you track, the sharper it gets. If you have outgrown a notes-app budget and a group chat full of ‘who paid for what’, you are exactly who we built it for.
Your finances are personal, and we keep them that way. Strong encryption, privacy-first defaults, and no advertising business hidden behind the scenes.
Your information is yours. We never sell it, and access is strictly limited and audited.
Encrypted in transit and at rest, protected by layered security controls.
Take everything with you, or wipe it for good, in a couple of taps.
We sell software, not you. No ad business running quietly in the background.
Splitting, household sharing, your portfolio, the forecast, the AI advisor. Everything is open to everyone right now. No card, no trial, no upsell.
It takes under a minute to sign up. Bring a friend and the splitting starts straight away.
Free to start. Cancel anytime. Your data stays yours.
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.
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.
If you are searching for the best budgeting app or a free budgeting app that respects your data, LedgeKar is a serious alternative to YNAB, an alternative to Mint, and an alternative to Goodbudget, designed for how India actually handles money. In a LedgeKar vs YNAB comparison you get envelope budgeting plus bill-splitting and UPI settle-up; in a LedgeKar vs Mint comparison you get the net-worth view without the ads or the data harvesting. One app replaces the spreadsheet, the splitter and the tracker, for free.