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LedgerLy
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Your cash,
your debts.
One clear picture.

Track spending, borrowing, and lending in one personal ledger.

Create accountSee how it works
Your everyday, accounted for.Sample ledger

Overview

October 2026
Cash balance
Rs 85,000.00

From your recorded entries

To repayRs 10,000
To collectRs 15,000

Recent activity

Cash Book

Debt payment: Loan to Ali

Oct 13, 2026
+Rs 5,000

Monthly rent

Oct 2, 2026Rent
-Rs 20,000

October salary

Oct 1, 2026Salary
+Rs 110,000
Cash, borrowing, and lending. Together.
CONNECTED BY DESIGN

One payment.
Both records updated.

Record a repayment and see your cash balance and outstanding loan update together.

Full or partial repayments

A clear record of every payment

Due dates and outstanding balances

TRY IT WITH SAMPLE DATANothing is saved
S
Loan to AliMoney you lent · Rs 20,000
Receivable
Remaining to collectRs 20,000
Cash balanceRs 80,000
No payments yet0%
Your cash book updates hereRecord the sample payment to see the connection.

A repayment changes your cash, not your income.

A little entry.
A lot less to remember.

Record what happened. Give it a category. Let your ledger keep the details together.

Try an entry

Sample ledger

Interactive example only. Nothing is saved to an account.

1

Start with what happened.

Money in, money out, money borrowed, or money lent. Each has a place.

2

Keep the useful details.

An amount, a date, and a description. Choose a category that makes sense to you.

3

Come back to a clearer view.

Your entries feed your balance, spending reports, and category budgets.

See where it goes.
Decide what comes next.

Put your spending in context with monthly limits and a longer view of income and expenses.

The bigger picture

Sample · last 6 months
Income Expenses
May: Income Rs 70,000May: Expenses Rs 42,000MayJun: Income Rs 85,000Jun: Expenses Rs 50,000JunJul: Income Rs 75,000Jul: Expenses Rs 46,000JulAug: Income Rs 90,000Aug: Expenses Rs 55,000AugSep: Income Rs 95,000Sep: Expenses Rs 48,000SepOct: Income Rs 110,000Oct: Expenses Rs 20,000Oct

Compare your recorded income and expenses, month by month.

A plan for this month

Sample · October
RentWithin budget

Rs 20,000 of Rs 25,000

Rs 5,000 remaining
FoodReady for the month

Rs 0 of Rs 15,000

Rs 15,000 remaining

Want a closer look? Your reports also include spending by category and a day-by-day spending calendar.

Good to know.

Do I need to connect my bank?

No. You record income, expenses, and loans manually. LedgerLy organizes those entries into your cash balance, debt records, budgets, and reports.

Can I record partial repayments?

Yes. Each repayment updates the remaining loan amount and creates a matching cash-book entry. Loan principal stays separate from income and expenses.

Which currency does LedgerLy use?

The current interface displays amounts in Pakistani rupees (PKR).

How do I get started?

Create an account and verify your email. Then add your first income, expense, or loan using Add New in your ledger.

Start your personal ledger.

Keep your spending, borrowing, and lending in one place.

Create account