Automatic
Reads transaction SMS your bank already sends and builds your ledger for you. Adds itemized order details from supported shopping apps, with your permission.
Android · Built for India · Pre-launch
Your money, captured automatically.
Ledgerly reads the transaction SMS your bank already sends, so you never log an expense again. Day one starts with months of your history, not an empty screen. Then it tells you which credit card to swipe before you pay.
Listens for SMS, never sends them anywhereNothing leaves your phone by defaultNo account, no cloud, no adsAI off by default, your key or a Ledgerly plan
In active development. Coming to Google Play.
Works with what you already use
Itemized order capture
Instamart
Amazon
Payment and total capture
Shopsy
Myntra
AJIODunzo
Transaction SMS from banks
All product names, logos, and brands are property of their respective owners. Ledgerly is not affiliated with or endorsed by any bank or merchant.
What you get
Three ideas behind the app.
Optimized
Knows the reward rules of every card you carry. Names the best card to swipe for each purchase, and counts the rewards you would have earned with a better one.
Private
Runs on your device. No account, no cloud sync, no advertising, no analytics SDK. Optional features that reach the internet are named one by one in the privacy policy.
67
Indian credit cards in the catalog, with reward rules
23
banks recognized from transaction SMS
₹10,000+
cashback the average cardholder misses a year
Built in the open, used every day
Built by one person who runs his entire financial life on it. Every screenshot on this site is real money moving through the installed app, every day since 2025. No demo data.
1,565 automated tests · 34 database migrations · 96 build sessions and counting
What is inside
Eight things Ledgerly does, in plain English.
Each one has a feature page with examples and screenshots. Open them in order, or jump to whatever you wanted to look up.
Automatic capture
SMS with a one-time history import, in-app order capture, receipts, PDFs. Refunds pair with the original purchase.
Credit-card optimizer
Best-card-to-swipe, Cashback left on the table, Card Simulator, Welcome Bonus Radar, Card Karma.
Cashback Bank
Missed cashback as a running balance, with a twelve-month projection.
Cash flow and alerts
Month-end and day-by-day forecasts. Rule-based spending alerts.
Goals and budgets
Savings goals with live allocation. Goal Pressure shows how a purchase moves a date.
Subscriptions and loans
Detects recurring bills. Loan Ledger and family money keep positions with people, not just merchants.
Spending intelligence
Insights, Money saved, Price Memory, Merchant report card, Week's basket.
AI features
Card Concierge, Roast, narrator, loan-reminder drafts. Optional: your own OpenAI key, or the hosted Ledgerly AI subscription.
Be first in the ledger.
One email when Ledgerly is on Google Play. Nothing else, ever.
No spam, just the launch email · or write to madmaxlabsllc@gmail.com