Quick answers.

Ledgerly is in closed testing on Google Play. To join the beta, send us the beta form and we add you to the tester list. If you would rather wait, the waitlist sends one email when Ledgerly is on Google Play.

Join the beta→

Or join the waitlist: one email when Ledgerly is on Google Play. Nothing else, ever.

Through Google Play. Once you are on the tester list, open the opt-in link we send, and Google Play installs Ledgerly and keeps it updated like any other app. Your phone needs Android 8.0 (2017) or newer.

The free tier and a small Pro tier for advanced features are still being finalized TBD. We will publish the split here before launch.

The AI features are optional. In the Google Play beta, invited testers get cloud AI through a tester pass with daily limits, so there is no OpenAI key to add and nothing to buy inside the app. If you never turn cloud AI on, every non-AI feature still works.

A monthly plan (₹99/month) for Ledgerly’s hosted AI, bought on the subscribe page and never inside the app. It is not part of the Google Play beta: the Play app accepts only a tester pass, and that is how beta testers get cloud AI. The access key the subscription gives you works in the direct-download edition, with fair-use daily limits, and stops working when your subscription ends. Details in the terms and the refund policy.

Android-only for now. Ledgerly leans on Android-specific APIs (SMS reading, accessibility services, notification access) that don’t exist on iOS in the same form.

Yes for every non-AI feature. Capture, the optimizer, the Cashback Bank, goals, alerts, and insights all run on your device with no network. Cloud AI, web link previews and brand logos need a connection, and each one has its own switch in Settings.

This can depend on how the app was installed and whether your phone is managed by an organisation. Our Android restricted-settings guide explains the warning, the permissions involved, and when you should leave the restriction in place. For the Ledgerly beta, follow the Google Play instructions in getting started.

Your ledger does not. Captured orders, balances and forecasts are stored on your phone, and the text of your bank SMS and payment notifications is never uploaded. A few features do reach the internet. Web link previews are on by default: when you attach a link, the app fetches that page’s title, and you can turn previews off in Settings. Cloud AI, receipt uploads and brand logos stay off until you turn them on. The privacy policy names each one and what it sends.

So Ledgerly can read the transaction SMS your bank already sends and turn each one into a clean ledger entry. Day to day it uses RECEIVE_SMS, which covers new messages from the moment you grant it. If you run the optional Import SMS history feature, Ledgerly also uses READ_SMS, for a one-time scan of your inbox that you start yourself: you pick how far back to look, you review every transaction it found before anything is saved, and you can remove the import afterwards. Either way, messages are parsed on your device and never uploaded.

Yes. The optional Import SMS history feature scans the bank messages already in your inbox. You choose how far back (30, 60, or 90 days, or everything), every transaction it finds lands in a preview grouped by month, duplicates of what Ledgerly already tracks are skipped, and nothing is saved until you confirm. The scan runs once, on your device, and an import can be removed afterwards in one tap.

Only screens inside a built-in list of shopping apps, never banking or messaging apps. Orders are captured itemized from Blinkit, Swiggy, Instamart, Zomato, Amazon Now, and Uber Eats, and from a screenshot for Zepto, Amazon, and Amazon Fresh. While the helper is on, it reads those apps’ screens as you use them and keeps a notification up so you can see it is running. An order is saved only after you tap capture and confirm it. Saved orders stay in the ledger on your phone, and cloud AI can use them only if you turn it on. Pause capture in Settings, or the Capture on/off tile, switches it off.

No. An AI feature has to send context to a model to answer, so cloud AI stays off until you read and accept its disclosure in Settings. In the Google Play beta, requests go through Ledgerly’s own service to a hosted model. Depending on the question, a request can include transactions, items, merchants, budgets, card details and earlier chat messages, not only totals. The text of your SMS and payment notifications is never sent. Once cloud AI is on, background helpers such as the daily brief can also send data while the app is closed, and each one can be switched off in AI settings. Ledgerly keeps access and usage records to run the tester allowance; the privacy policy names the providers and what each one keeps. If you never turn cloud AI on, every non-AI feature still works.

It is removed with the app. Before you uninstall or switch phones, take a full backup from Settings, Data. Restoring that file on a fresh install brings everything back, and an Undo last restore option protects you if a restore goes wrong.

Yes. Settings > Data has a full DB backup and a CSV export. Both run on your device and write to a location you choose.

Stealth Mode is probably on. When armed, every rupee amount in the app renders as ₹••••• and the dashboard shows believable decoy numbers. Unlock with biometric (or device PIN as fallback). Re-lock policy and screenshot-blocking are configurable in Settings.

Ledgerly recognizes transaction SMS from HDFC, ICICI, SBI, Axis, Kotak, IndusInd, IDFC First, Yes Bank, Punjab National Bank, Bank of India, Bank of Baroda, Federal Bank, RBL, Canara, Union Bank, DCB, AU Small Finance, Equitas, Indian Bank, Indian Overseas Bank, Standard Chartered, Citi, American Express, and Deutsche Bank. If your bank is not on the list, its messages still come through under the raw sender ID, and you can teach Ledgerly the mapping in one tap, so an unlisted bank usually means a slightly uglier name, not a missed transaction.

67 cards at the time of writing, across HDFC (Regalia, Millennia, Diners), ICICI (Amazon Pay), SBI (Cashback, Prime), Axis (Magnus, Atlas, Ace), IndusInd (Tiger, Pinnacle), Standard Chartered (Smart), and others. The catalog is bundled with the app, not fetched at runtime, so it works offline. Updates ship in app releases.

From the bundled catalog. Each card carries its real per-category rates, monthly caps, exclusions, and FX markup, curated by hand and updated with the app.

Long-press the transaction to reclassify it. Categories learn: tagging a few transactions from a new merchant teaches the classifier. You can also rename the merchant, mark it as a subscription or a loan, or classify an inflow as a refund, reimbursement, gift, or borrowed money.

Your phone’s battery saver likely froze the accessibility helper, this is common on Xiaomi, Oppo, and Vivo phones. Ledgerly detects it and posts a Restart notification, one tap brings it back. To stop it recurring, enable Autostart for Ledgerly and exempt it from battery optimization.

Refunds are matched back to the original purchase and reduce that spend, deliberately. Counting refunds as income would inflate both sides of your ledger. You can adjust the match from the transaction’s long-press menu if Ledgerly paired it wrong.