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Now in testing on iPhone

Your money across every country, in one app

MonthLedger keeps each country in its own currency, adds everything up at real exchange rates, and tells you where your month stands.

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Multi-country, multi-currency Face ID protected Data stays on your phone
The Activity screen listing expenses in several currencies
The MonthLedger overview for October 2026: net $4,069.12 and 67% of the budget used
Live exchange ratesUpdated every day
$1,442 leftin October’s budget
Features

Everything you need to run your month

Built for people who earn and spend in more than one country.

Every country, one app

A separate book for each country you earn or spend in, each in its own currency.

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Real exchange rates

Combined totals use the European Central Bank rate of each transaction’s date.

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Transfers done right

Money you send home shows in both books without counting as spending.

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Budgets that answer

Set budgets per country and category, and see exactly what’s left.

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Monthly reports

A clear verdict every month, plus CSV export for Excel.

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Private by design

Face ID lock, and your data never leaves your iPhone.

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How it works

Three steps, every month

1

Add as you go

Amount, country and category. The date is today unless you change it.

Adding a CA$85.40 grocery expense
2

Watch your month

Income, spending and budget left, per country or all together.

Monthly budgets with progress bars
3

Close it with a report

A clear within-budget or over-budget verdict, ready to export.

The monthly report showing within budget
Security

Your finances stay on your iPhone

No bank logins, no cloud copy of your transactions. Just you and your phone.

  • Face ID, Touch ID or passcode every time the app opens
  • Transactions are stored only on your device, encrypted by iOS
  • Backups go only where you save them
  • No ads, no tracking, no selling of data
MonthLedger’s lock screen: your finances are locked
FAQ

Questions, answered

Which countries and currencies are supported?
MonthLedger is built for money in any country. Each country gets its own book, categories and budgets in its local currency, and you choose which currency the combined totals use.
Where do the exchange rates come from?
From the European Central Bank’s daily reference rates. The app downloads them once a day and keeps them, so it also works offline. Each transaction converts at the rate of its own date.
Is my financial data uploaded anywhere?
No. Transactions, budgets and categories stay in the app on your iPhone. The only download is the day’s exchange rates, which contains no personal information.
How are transfers between countries handled?
Record money you send between your own countries as a transfer. It shows in both books but isn’t counted as income or spending, because it’s still your money.
Can I export my data?
Yes. Export any month or date range as a CSV for Excel, or a full backup file you can restore on a new phone.
Is there an Android or web version?
MonthLedger is in testing on iPhone. Android and a web app are planned. Request early access and tell us which phone you use.

Start your next month with MonthLedger

Join early access and we’ll email you an invitation as soon as testing opens for your phone.

Opens your email app with the request ready to send. No newsletter.