Questions people ask when getting started.

Yes. You can begin with one spending account and add more accounts later from the Accounts workspace.

No. You can start with accounts and transactions first, then add budgets when you want more structure around spending.

Base currency is the shared reporting currency used for totals, analytics, reports, and many dashboard summaries.

Yes. Each account keeps its own currency, while Ledge uses your base currency for summaries, analytics, and reports where possible.

Use a transfer when money moves between your own accounts. Use an expense or income when money is leaving or entering your financial system.

Yes. You can add notes, and attachments when they are useful for keeping a fuller record.

Tags are optional labels you create yourself. They are useful when you want extra reporting detail that does not fit into accounts, categories, or payees.

No. Payees are helpful, but optional. Many people start with accounts and categories, then add payees where they want more detail.

Yes. You can archive accounts that are no longer active, and restore them later if you need them again.

Ledge supports checking, savings, credit card, cash, loan, term deposit, fixed asset, and brokerage accounts.

Yes. Brokerage accounts can include cash balances, holdings, portfolios, trades, deposits, withdrawals, currency conversions, and price updates.

People is a primary workspace for tracking what is still owed between you and specific people. It can carry balances, due dates, repayments, settlements, archived history, and statement exports.

Use Payees for merchants, employers, billers, and other transaction labels. Use People when a balance still matters between you and someone else, such as a reimbursement, repayment, shared cost, or money you lent or borrowed.

People can track money you lent, money you borrowed, reimbursements you expect to receive, repayments you need to send, shared costs to settle later, and other relationship balances that should stay visible over time.

Yes. When you need a clearer relationship record, Ledge can export a person's statement as CSV or PDF.

Yes. Recurring rules can be used for both repeating income and repeating expenses.

You can pause, resume, skip, duplicate, or delete recurring rules as needed. This lets you adjust the schedule without rebuilding it from scratch.

Yes. Goals can use reserve behavior to reflect money that is being set aside for a specific purpose.

Ledge can show over-limit state, remaining amount, and warning thresholds so you can see when a budget needs attention.

Ledge is designed so your financial data stays under your control. It does not require a separate Ledge account or a developer-run service to store your ledger. Your data is stored on your device, or in your private iCloud storage if you enable sync. Live exchange-rate refresh is optional.

Ledge uses device security for App Lock instead of creating a separate in-app PIN system.

If you enable live exchange rates, Ledge contacts the active external exchange-rate provider to request rate data for your selected base currency and supported currencies. Your transaction ledger is not sent as part of that rate lookup. Live quotes are cached on-device and reused when available.

Yes. Ledge works without iCloud sync, and you can keep using manual exchange rates if you prefer not to use an external exchange-rate provider.

Yes. Ledge can hide net worth on screen when you want more privacy while using the app in public.

Yes. Ledge supports importing existing data in CSV, OFX/QFX, and QIF formats.

No. Ledge is designed to work as a standalone personal finance app, without depending on third-party bank-linking services or other required external services. If you want to bring data in, you can import supported files such as CSV, OFX/QFX, and QIF.

Yes. Exports can be filtered by account, transaction type, and date range.

They can. You can create backups with or without attachments, depending on what you want to keep.

No. Most of the app works without needing a constant connection. Internet access is only relevant for things like optional live exchange-rate refresh and iCloud sync activity.

Manual exchange rates are still supported. Ledge prefers cached provider values first, then uses your manual rates for currencies the current cache cannot resolve. If live refresh is off and a new provider lookup would be needed, Ledge asks before contacting the provider.

Open Settings > Navigation > Configure Tab Bar. Dashboard and Settings stay fixed. By default, the middle tabs are Accounts, Transactions, and People, and you can replace those slots with Analytics, Budgets, or Goals. If a workspace is not pinned, you can still open it from Navigation settings.

Not yet. The current release is for iPhone and iPad. A Mac version is currently under development and will be available soon.