Ledgerly ships in numbered build sessions.
Highlights from the build log, newest first. The app is in daily development and daily use.
Subscriptions that look like your services
Every tracked subscription now lands in a category, the breakdown donut splits by category or by service, and services show brand marks instead of grey circles. Real logos are strictly opt-in: turning them on sends only the service's web domain to Google's icon service, never your data, and turning them off deletes the cached logos.
Subscriptions you can act on
Every upcoming charge on the dashboard is now tappable: mark it paid, pause, cancel, or edit from one sheet, and the change propagates to every surface at once. Marking a charge paid links the real transaction Ledgerly already captured instead of inventing a duplicate, and pushing a renewal date later by hand now beats the app's own stale prediction.
Forecasts that see your income
The day-by-day pace and month-end projection now place expected income even when a source has no configured credit day, estimated from its own payment history. Income that cannot be placed honestly is called out on the card instead of silently dropped.
Ledgerly AI, hosted
An optional subscription now runs the chat AI features, summaries, Card Concierge, Roast, loan-reminder drafts, and goal price estimates, on a hosted Ledgerly service: no OpenAI account, no key homework. Bring-your-own-key stays free forever, receipt OCR stays on your own key for now, and cancelling deactivates the subscription key automatically.
Import your SMS history
A one-time, on-device scan of the bank SMS already in your inbox: pick 30, 60, or 90 days, or everything, then review every transaction it found, grouped by month, with duplicates already weeded out. Nothing is saved until you confirm, and one tap removes the whole import later.
Full backup and restore
One zip holds the database, settings, and images. Restore replaces everything, with an Undo last restore safety net. The app also moved to its permanent package identity and release signing.
Balances that track themselves
Bank balances now auto-track in both directions. Credits add, debits subtract, and a genuine balance reading from an SMS re-baselines the number.
Refunds and cancellations
Refund credits now pair with the original purchase instead of counting as income, so a cancelled order no longer inflates your earnings.
Family money, squared up
Returned family money is now suggested for netting automatically when a matching credit arrives.
Spend color-grading
Bigger spends render deeper; avoidable buys get an amber tint. The ledger reads at a glance.
Card eligibility meter
A refreshed catalog of 67 Indian credit cards with published income floors, plus a meter showing which cards are actually within reach.
Money Saved
A tally of realized savings the app actually caused, kept separate from hypotheticals. Plus the Merchant Report Card comparing delivery and handling fees across grocery apps, and price-hike alerts.
Dark mode
The whole app, end to end.
Recurring charges on watch
A recurring-charge watcher and hub, countdowns to subscription renewals, and peer benchmarking against households like yours.
The credit-card optimizer
The best card to swipe for any purchase, a Card Simulator for wallets you do not own yet, and the Cashback Bank tallying the rewards you missed.
Curious what all of it adds up to?
The features page walks through every screen these sessions built.