Ledger
by Klaro Pte. Ltd.
Get early access
Ledger
by Klaro Pte. Ltd.
Get early access
Klaro Ledger is a calm, offline-first money tracker — budgets, goals, net worth, and shared spaces for couples and households — with no account, no ads, and no tracking.
Fast manual entry, clear visuals, and the numbers that actually matter.
Set monthly budgets and savings goals, and watch your rings fill as you go.
Track accounts, cards, and holdings — with live prices and your net worth over time.
Track finances jointly with a partner or household. End-to-end encrypted — we can't read them.
Automate rent, subscriptions, and salary, and see bill trends month to month.
Log in any currency with historical FX, so travel and overseas spending just work.
Scan receipts, import CSVs, add home-screen widgets, and export your data anytime.
Most finance apps are a front end for your data. Klaro isn't.
Your ledger lives in an encrypted database on your phone. We never receive a copy.
No sign-up to start, no ads, and no analytics or tracking SDKs — ever.
Optional backup goes to your own private Google Drive folder — only you can open it.
How a private, offline money tracker actually works.
Yes. Klaro Ledger uses fast manual entry instead of bank connections — a transaction takes a few seconds to add, and no banking login ever goes into the app. Your credentials stay with your bank, and Klaro never needs read-access to your accounts.
Yes — Klaro is offline-first. Adding transactions, budgets, goals, and every chart run entirely on your phone, with no internet connection and no server round-trip. It's just as fast on a plane or with no signal.
On your device only, in an encrypted database — there's no account and no cloud copy by default. If you turn on backup, it goes to your own private Google Drive folder, encrypted so only you can open it.
Automatic apps link to your bank and import transactions for you. That's convenient, but it means handing over your banking credentials and, usually, your spending data to their servers. Manual tracking — how Klaro works — means you log each expense yourself: a little more effort, but nothing about your accounts is shared, and writing it down keeps you closer to where your money actually goes.
A simple subscription — US$1.99/month or US$17.99/year, with a 14-day free trial. That's the whole model: no ads, no trackers, and nothing about your spending is ever sold or shared. You're the customer, not the product — which is exactly why your data can stay on your device.
Klaro Ledger is in the final stretch before launch. Join the waitlist and we'll email you the moment it's on Google Play.