Ledge
Most finance apps assume one country and one currency. Ledge is built for life across more than one, and your financial data never leaves your device. It's free, with a single banner ad you can remove with a one-time purchase.
Why I built it
Two countries, three currencies, and one of them has multiple rates on any given day.
I live between Buenos Aires and India. Most months involve ARS for daily life, INR for family things, and USD that I keep as savings. Every finance app I tried assumed one country, one currency, one source of truth. Adding an ARS cash account or tracking an INR mutual fund alongside USD savings was either impossible or held together by workarounds I'd forget within a week.
Argentina has its own twist. The dollar has an official rate, an MEP rate, a blue rate, and a CCL rate, all live at the same time. After April 2025 they trade within a few percent of each other, but the gap has widened before and may again. Either way, a single API rate is rarely the rate someone actually used on a given transaction.
Ledge is the version I wanted. Hold accounts in any currency. Pick the rate that applied to a transaction. See net worth in your home currency without losing the originals.
What it does
Four things, done well.
Pick a master currency. Every account converts on the fly. Mix USD, ARS, INR, EUR, anything. Net worth always lands in your master.
The API fetches the official rate. You add as many named rates as you want: Blue Dollar, MEP, CCL, or whatever your moneychanger calls it. You pick the rate that applied to a transaction, instead of trusting whatever number the API returned that morning.
All your financial data lives on your device. No server, no account, no analytics, no tracking of what you spend. The free version shows one banner ad, served by Google. A one-time purchase removes it. Your transactions never leave the phone.
Spending trends over weeks, months, quarters, years. Category breakdown. Income, spent, and saved at a glance.
Screens
The whole flow.
Mockups based on the in-development build. Final design isn't locked yet.
Net worth at a glance
Monthly history, two-currency aware
One screen for the rates that matter
Built with
A small stack that fits in one head.
Single-developer project. The stack is whatever lets me ship without fighting the tools.