CalmLedger: Budget with calm
A private, on-device budgeting app that helps you see where your money goes and what to do next. Track expenses, scan receipts, and get calm, actionable insights—without sending your data to the cloud.
Perfect for
- ✓Understanding spending patterns without sacrificing privacy
- ✓Getting AI-powered insights that run entirely on your device
- ✓Sharing budgets securely with family via iCloud
- ✓Tracking installments and forecasting future expenses
CalmLedger
iOS Budget App
Requirements
Privacy Guarantee
Your finances never leave your device. AI insights are generated locally, and shared budgets sync through Apple's private CloudKit database.
Clarity for personal budgeting
CalmLedger brings clarity to personal budgeting with fast expense entry, receipt scanning, and clean financial insights. Your data stays yours: AI insights run on-device, and shared budgets sync through iCloud's private database. No data collection, no ads—just a focused tool for understanding spending, planning ahead, and staying on track.
Private by Design
Your financial data never leaves your device. All AI insights run locally using Core ML, and iCloud sync uses Apple's private CloudKit database that only you control.
Smart Insights
Get AI-powered spending analysis, trend detection, and smart suggestions to avoid overspending. All insights run on-device with no data sent to external servers.
Receipt Scanning
Scan receipts instantly using Apple's VisionKit framework. All text recognition happens offline on your device—no images uploaded, no third-party services.
Everything you need to budget with confidence
Simple, focused features that help you understand spending and plan ahead.
On-Device AI Insights
Get spending analysis, trend detection, and smart suggestions—all powered by Core ML. No data sent to servers, no cloud AI services.
iCloud Private Database
Optional secure budget sync through Apple's CloudKit. Share budgets with family using end-to-end encryption. You control all access.
Offline Receipt Scanning
Scan receipts instantly with VisionKit. Extract amounts and details automatically. All processing happens offline—no images leave your device.
Monthly Budgets & Trends
Track spending against monthly budgets. See trends, stability scores, and forecasts to understand where your money goes and plan ahead.
Installment Tracking
Track recurring expenses and installment plans. Get forecasts for upcoming payments to avoid surprises at the end of the month.
Custom Categories & Methods
Create custom categories, payment methods, and participant labels. Organize expenses your way for clearer insights.
Your data stays yours
Privacy isn't a feature—it's the foundation of CalmLedger.
Zero Data Collection
We don't collect, store, or transmit any of your financial information. Your budgets, expenses, and spending patterns never leave your device.
On-Device AI Processing
All AI insights run locally using Core ML. No data sent to cloud AI services, no external servers—just your device analyzing your data privately.
Private iCloud Sync
Optional sync uses Apple's CloudKit private database. Only you can access your data—it's encrypted end-to-end and we have zero visibility.
No Ads, No Tracking
No third-party analytics, no advertising networks, no user profiles for marketing. We don't track your activity or behavior—ever.
Frequently Asked Questions
Does CalmLedger send my financial data to the cloud?
No. All your financial data stays on your device. AI insights run entirely on-device using Core ML, and optional iCloud sync uses Apple's private CloudKit database that only you can access. We have zero visibility into your budgets or spending.
Can I share budgets with family members?
Yes. You can share budgets securely through iCloud Family Sharing. All shared data is encrypted and transmitted through Apple's CloudKit with end-to-end encryption. You control who has access, and you can revoke sharing at any time.
How does receipt scanning work?
CalmLedger uses Apple's VisionKit framework for offline receipt scanning. Simply take a photo of your receipt, and the app extracts the amount and details—all processing happens on your device. Receipt images are not uploaded to any servers.
Is there a free trial?
Yes. New users get a 14-day free trial of Pro features with the yearly subscription plan. You won't be charged during the trial period, and you can cancel anytime before it ends to avoid charges. The free version is also available with limited features.
What's the difference between free and Pro?
The free version includes basic expense tracking and budgets. Pro unlocks AI insights, receipt scanning, installment tracking, iCloud sync, budget sharing, advanced analytics, and unlimited categories. Pro is available as a monthly or yearly subscription.
Can I export my data?
Yes. CalmLedger includes export features so you can download your budget data anytime. Your data belongs to you, and you have complete control over what happens to it.
Start budgeting with calm and privacy
Download CalmLedger today and get 14 days of Pro features free. Your financial data stays yours—no data collection, no cloud AI, just calm, actionable insights.