Klaro Ledger tracks your budgets, goals, net worth, investments, and shared spaces for couples and households — offline-first, with no account, no ads, and no tracking.
Quick to log, clear to read, and honest about where you stand.
Set monthly budgets and savings goals, and watch your rings fill as you go.
Accounts, cash, and holdings in one net worth — with live prices, a watchlist, and daily movers.
Track finances jointly with a partner or household. End-to-end encrypted — we can't read them.
Category breakdowns, a spending calendar, month-pace charts, and a coach that tells you what changed.
Log in any currency with historical exchange rates — handy for travel and spending abroad.
Scan receipts, import CSVs, automate recurring bills, add home-screen widgets, and export anytime.
Most finance apps are a front end for your data. Klaro isn't.
Your ledger lives in an encrypted database on your phone. We never receive a copy.
No sign-up to start, no ads, and no analytics or tracking SDKs — ever.
Optional backup goes to your own private Google Drive folder — only you can open it.
How a private, offline money tracker actually works.
Yes. Klaro Ledger uses fast manual entry instead of bank connections — a transaction takes a few seconds to add, and no banking login ever goes into the app. Your credentials stay with your bank, and Klaro never needs read-access to your accounts.
Yes — Klaro is offline-first. Adding transactions, budgets, goals, and every chart all run on your phone, with no internet connection and no server round-trip. It's just as fast on a plane or with no signal.
On your device only, in an encrypted database — there's no account and no cloud copy by default. If you turn on backup, it goes to your own private Google Drive folder, encrypted so only you can open it.
Automatic apps link to your bank and import transactions for you. That's convenient, but it means handing over your banking credentials and, usually, your spending data to their servers. Manual tracking — how Klaro works — means you log each expense yourself: a little more effort, but nothing about your accounts is shared, and logging each one keeps you close to where your money is going.
A simple subscription — US$1.99/month or US$17.99/year, with a 14-day free trial. That's the whole model: no ads, no trackers, and nothing about your spending is ever sold or shared. You pay for the app, so your data doesn't have to — which is why it can stay on your device.
Klaro Ledger is in the final stretch before launch. Join the waitlist and we'll email you the moment it's on Google Play.
Free on Google Play, with a 14-day trial. Want release notes by email? Drop yours below.
