Hey Product Hunt 👋

Today we're finally launching LEDGR Money, a personal finance app that started as a spreadsheet I built after giving up on one money app after another.

I'm a data scientist/engineer who genuinely loves data, and I have tried more money apps than I can remember. I kept running into the same problem.Some gave me clean totals and stopped there. Others had the detail I wanted, but getting any value from them became a project. I had to clean up hundreds of transactions, learn a new budgeting method, and maintain the whole system.

By the time everything was set up, I had spent more time managing the app than understanding my money.

So I built my own spreadsheet.

It started small, then got a little out of hand. I added categories, rules, trends, projections, and more dashboards than any normal spreadsheet should have. Friends started asking me for copies, and they kept using it. That gave me the push to turn the spreadsheet into a real product.

That product is LEDGR.

LEDGR starts with the part that made me quit other apps. It cleans up messy bank labels, handles the matches it recognizes, and asks for help only when your context matters. Once you answer, it remembers.

That means you can get to the questions you opened a money app to answer:

What came in?
Where did it go?
What changed?
What happens if I change something?

The first screen brings your income, spending, savings, and balances together. It also points out one change in your recent activity and shows what contributed to it.

That might be dining creeping up over a few months, or a recurring bill that suddenly got more expensive.

You can stop there or keep digging.

The point was never to have fewer charts. I wanted to know which one was worth opening first.

One of my favorite features is Time Machine. Change an income or spending assumption and compare the next 12 months with your current path. Move dining down by $80 a month and you can see the difference build across the year. You can also create a spending plan with your own categories and priorities. There is no budgeting method to memorize before the app becomes useful.

One thing I cared about from the start was making LEDGR feel personal. Money apps can feel cold and interchangeable, so LEDGR includes 26 color palettes and an interface designed to feel like something you actually enjoy opening. A lot of the last few months went into refining that experience because looking at your money should feel inviting, not like homework

LEDGR organizes what happened, explains what changed, and helps you see what comes next.

It's live today on web and iPhone with a 14-day free trial. LEDGR has no ads and does not sell financial data. I'd love to know what LEDGR helped you notice first, and where it still felt like work.

Thanks for checking out LEDGR 💚