LedgerlyLearn more
Cobalt Finance Tools

Spend with intention, save without stress.

Log expenses in seconds, set limits for the categories that matter and see how much is safe to spend before the month ends.

Free to try. No card required.

Manual or bank importShared budgetsBill reminders

What you get

Log in three taps

Amount, category, done. Recent merchants are suggested first, and recurring costs are added for you automatically.

Budgets per category

Set a monthly limit for groceries, eating out, transport and anything else. A bar shows what is left at a glance.

Never miss a bill

Recurring bills are detected and tracked, and you get a reminder before each one goes out.

Savings goals

Round up spare change or set a fixed amount. Either way the goal moves every month without you thinking about it.

How it works

  1. 1Enter your monthly income and fixed bills.
  2. 2Create a few categories with monthly caps.
  3. 3Add each expense in a couple of taps.
  4. 4Review the month and move money to savings.

About Ledgerly

Budgeting fails when it demands perfection. Our approach is simpler: know roughly what comes in, decide what the important categories may cost, log spending as you go and look at the month once it is over. The app makes each of those steps a few taps, shows the number that matters, which is what is safe to spend today, and never lectures. Manual entry is the default because it keeps you honest; bank import is there when you want less typing.

Frequently asked questions

Which currencies are supported?

All major currencies, with daily exchange rates for accounts held in more than one. Totals are shown in the currency you choose.

Do I have to connect a bank account?

No. Ledgerly works fully with manual entries. Bank import is optional and read-only, and you can disconnect it whenever you like.

Can I share a budget with someone?

Yes. Invite a partner or roommate to a shared budget while keeping your personal categories to yourself.