Ledgerlenz tracks the number most money apps skip: how much of your take-home pay goes to interest. Paychecks, bills, cards and loans line up on one calendar — so you can see that number, and shrink it.
The idea
Most money apps tell you what you spent. Ledgerlenz tells you what your debt costs — how much of every paycheck quietly goes to interest — and how to keep more of it.
The interest lens
Interest is the one line in your budget that buys nothing. Ledgerlenz finds it everywhere it hides — every card, loan, statement and purchase — and measures it against what you actually take home.
of this year’s take-home pay went to interest — $804.16 that paid down nothing. Ledgerlenz keeps this number in front of you, and shows you what moves it.
of net income will go to interest over the next 8 months — $1,032.00 at the payments you’re on now.
of interest saved on one card by paying $119 a month instead of the $35 minimum — and paid off 54 months sooner.
of interest from a single travel purchase — what it has cost and what it still will. Reports ranks your spending by what it costs you.
Six views · one ledger
Home, Plan, Debt, Income, Balance and Reports all read from the same private ledger — so a payment you log on one screen moves every figure, the interest included, everywhere.
Plan
Day, week, month or year. Every paycheck, purchase and payment lands on the calendar — tap a day to see exactly what moved.
Debt
Cards and loans with their real APRs and statement cycles. Try a payment and watch the payoff date — and the interest you’ll pay — move before you commit.
Income
Salary, hourly or a set amount — weekly to monthly. Steady checks post themselves.
Balance
Count your accounts, then watch the month’s end projected from every check and bill still to come.
Reports
By category, merchant, card or loan — with every dollar of debt split into principal and interest.
Wishlist
Add the thing you’re eyeing and pick a term. Ledgerlenz shows what it adds per month, the interest it carries, and how much of your month is left if you go ahead.
Nothing on the list is owed until you press BUY →
Setup guide
Ledgerlenz opens on a short checklist. Each step switches on part of your dashboard — here’s the whole thing, tap by tap.
1 · HOW ARE YOU PAID?
2 · WHEN?
3 · HOW DO CHECKS GET LOGGED?
No cards yet — add the one you use most.
Capture
You never hand over a password. Snap a receipt, share a screenshot, drop in a statement, or just type it — Ledgerlenz reads it right on your phone and shows you every line before anything is saved.
Point the camera at a receipt — even a long one, page by page. Line items, tax and totals come back ready to tick.
Share a screenshot from any app. Ledgerlenz tells a cart, a card statement, a paycheck and a loan apart.
PDF or CSV from your bank. Columns map themselves, duplicates are flagged, and only new purchases come in.
Three fields and a card. Name one purchase once and every one like it can share its category.
Privacy
No account to create, no bank to connect, no cloud copy of your life. Ledgerlenz keeps everything in an encrypted vault on the device in your hand.
.llx file with everything in it. Keep it anywhere; restore it anytime.The real app
Captured straight from the Android build. Drag to browse.
FAQ
The short answers to what people ask first.
The way your lender does. Card interest is added when a statement closes, based on what you owed on average through the month — and a statement paid in full by its due date means the next one charges nothing. Loan interest is counted by the day, and each payment covers it first. Pick daily or monthly accrual to match your lender, and every statement is recalculated to match.
No. Ledgerlenz never asks for a bank login. You add accounts and cards yourself, then bring purchases in by scanning a receipt, sharing a screenshot, importing a PDF or CSV statement, or typing them.
On your phone, in an encrypted vault. The key is kept in Android’s secure storage, and nothing is sent to a server. Backups are a single encrypted .llx file that you control.
Your passcode is the only key, so there’s no reset and no recovery — that’s what keeps the vault private. Keep it somewhere safe, and keep a recent backup.
Yes. Everything — including reading receipts and statements — happens on the device, so it works on a plane just as well as at home.
Any time. Export any section as CSV or PDF over the date window you choose, or make a full encrypted backup. The same backup file opens in the Ledgerlenz browser extension.
Ledgerlenz is built for Android first. The path to iOS is being kept open.
Three steps to set up. Then see what interest takes from every paycheck — and keep more of it.
Android · Interest tracked to the cent · Encrypted on your phone · No bank logins