Ledger

The Ledger

The Ledger is your comprehensive Shariah-compliant personal finance system. It goes beyond simple expense tracking to help you manage your entire financial life in accordance with Islamic principles.

Core Modules

1. Accounts & Equity

Track all your distinct asset containers.

  • Cash Accounts: Bank balances, physical cash.
  • Investment Accounts: Brokerage, crypto wallets.
  • Physical Assets: Real estate, gold, commodities.

2. Budgeting Engine

Implement strict or flexible spending limits.

  • Category Caps: Set monthly limits for specific spending categories (e.g., Dining, Transport).
  • Rollover Logic: Unspent budget can be configured to rollover or reset.

3. Liability Manager (Debts)

Manage your outstanding obligations with a focus on eliminating interest-bearing debt.

  • Repayment Snowball: Strategies to pay off debts efficiently.
  • Interest Tracking: Monitor and isolate any interest payments (which may need purification or are strictly prohibited).

4. Transaction Journal

A double-entry bookkeeping system for your life.

  • Manual Entry: Quick add for expenses and income.
  • Recurring Transactions: Automate bills and salary entries.
  • Tagging: Group transactions by project, trip, or family member.

Committees (Rotating Savings)

Manage "Kameti" or Rotating Savings and Credit Associations (ROSCA) directly within the Ledger.

  • Cycle Management: Track who gets paid when.
  • Contribution Tracking: Mark payments as paid/received.
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