LedgeKar
Free expense splitting and personal budgeting for India
About LedgeKar
LedgeKar is a personal finance app built mainly for Indian users, though it works in any currency. It is aimed at friends sharing bills, couples and families managing a household, and anyone who wants a clearer view of their money without a spreadsheet.
The app splits group expenses and lets people settle up in one tap over UPI. It also offers monthly budget envelopes, savings goals, a debt payoff tracker, and a net worth view that gathers cash, FDs, SIPs and digital gold in one place. A paid Gold tier adds an AI financial advisor, a 12-month forecast and couples household sharing.
The pitch is that it is free to start, shows no ads, and keeps shared money separate from private spending, with a focus on privacy and export or deletion of data. Android is listed as in testing and iOS as coming soon.
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