Ledger: Pay Cycle Planner

Life doesn't follow a monthly schedule.

Rent, groceries, subscriptions, payment plans and unexpected expenses rarely line up neatly. Ledger is designed around your pay cycle, helping you see what's coming in, what's due, what's being set aside and what's left before your next payday.

Whether you're paid weekly, fortnightly or monthly, Ledger brings your income, expenses, savings and future commitments into one clear plan, without the complexity of a traditional monthly budget.

Plan around your pay cycle

• Build your plan around weekly, fortnightly or monthly pay cycles

• Add salary, hourly, casual and variable income

• Set custom base, penalty, overtime, weekend, evening, public holiday or fixed hourly rates

• Log hours against each rate and see your estimated gross pay update

• Manage multiple income streams in one place

• Link taxable incoming adjustments, such as bonuses, to the income stream they were paid with

• View Australian tax estimates for each taxable income stream and taxable incoming adjustment

Estimated tax only. Not financial or tax advice.

Stay ahead of expenses

• Track recurring and one-off expenses

• See bills, subscriptions and payment plans in the pay cycle they belong to

• Mark expenses as paid or defer them when plans change

• Set reminders for upcoming payments and choose when Ledger notifies you

• Review daily reminders in Inbox and open payment details directly

• Keep future payments visible before they catch you off guard

Organise what you're setting aside

• Set aside money in custom allocation pockets

• Create Savings pockets with optional target amounts and dates

• Plan regular contributions, add extra savings and track withdrawals or adjustments

• Adjust a planned contribution for one pay cycle without changing the regular plan

• Optionally track spending within each allocation while keeping the focus on your wider plan

• See how expenses, allocations and savings affect what you'll have left

Designed for clarity

Ledger is a pay-cycle planning space for understanding what's coming in, what's due, what's being set aside and what remains before payday.

There is no need to connect your bank or turn every purchase into a transaction to categorise. Ledger keeps the focus on the bigger picture, so you can plan ahead without adding more financial noise.

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