Amount-first transaction flow and optional local voice input keep daily logging quick whether you track cash, bank, or card activity.
Local-First Finance
MoneyFlow Ledger
A privacy-friendly personal finance app for people who want clear daily tracking without sign-in, backend setup, or clutter. Capture spending fast, review reports clearly, and manage more realistic finance flows from one place on iPhone or iPad.
Track budgets, recurring bills, wallets, savings goals, deposits, loans, and card installments together.
Current version is local-first with on-device storage and no required account, sync service, server setup, or paywall flow.
A practical money dashboard, not just a simple expense tracker
MoneyFlow Ledger is designed to handle real personal finance workflows: income, expenses, transfers, budgets, reports, recurring reminders, savings targets, and long-running debt obligations that many lightweight trackers skip.
Daily money tracking
Track income, expenses, and transfers with wallet-aware balances and a clean transaction flow.
Budgets and reports
Review budget progress, warning states, cash flow, and trend summaries over time.
Recurring planning
Manage recurring bills, reminders, and savings goals with local notifications on device.
Backup and restore
Keep control of your records with local export, backup, and restore tools built into the app.
Bilingual experience
English and Vietnamese support is available across the main app flows with an in-app language switch.
Advanced finance flows without the usual complexity
Beyond everyday spending, the app supports richer account structures for people managing debt, bank products, and installment-based obligations.
Credit cards and installments
Track card limits, due cycles, snapshot balances, and installment plans with reminder support.
Bank loans
Monitor outstanding principal, actual-day interest accrual, due dates, and repayment wallet coverage.
Bank and investment wallets
Keep balances organized across cash, bank, investment, credit card, and linked financial accounts.
Savings deposits
Handle deposit packages with terms, maturity dates, renewal modes, and maturity reminders.
What ships in the current release
The current public build exposes the full local-first feature set by default. There is no Premium toggle, StoreKit paywall, or in-app purchase flow in this first release.
Onboarding and dashboard
Get started with guided onboarding, wallet setup, dashboard summaries, and chart-driven reporting.
Finance workflows
Track budgets, recurring rules, savings goals, bank loans, deposits, and card installments together.
Language support
Switch between English and Vietnamese directly in Settings without depending on system language.
Data control
Your finance records stay on device, with export and restore available when you choose to use them.
Why people use it
The product is focused on local clarity: fewer signup steps, fewer hidden finance assumptions, and stronger support for realistic household money management.
Local-first privacy
Personal finance data stays on device in the current release, with no required cloud account.
Quick review loops
Dashboard, reports, and summaries help you check balances and due items without digging through screens.
Backup and restore
Export and local backup flows make it easier to keep control of your own records.
SwiftUI
SwiftData
Charts
iOS 17+
English + Vietnamese
No account required