ML My Own Ledger
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Private by design

Every taka, dollar and pound in one calm place

Track what comes in and what goes out, hold all your accounts and cards together, and keep budgets, savings goals, loans with EMI, and investments in one view.

No adverts. No selling your data. Your notes and account numbers are encrypted.

Accounts and cards

Bank accounts, cash, mobile money and credit cards, with live balances and card limits.

Honest transfers

Moving your own money between accounts never inflates your income or spending totals.

Budgets that warn you

Set a monthly, weekly or yearly limit and see how much you can still spend each day.

Loans with real EMI

Reducing balance or flat rate, a full month by month schedule, and payoff tracking.

Savings goals

Set a target and a date, and see exactly how much to put aside each month.

Investments

Shares, funds, deposits, gold, property and more, with gain and loss at a glance.

Repeating entries

Rent, salary and subscriptions get added automatically so nothing is forgotten.

Works offline

Install it on your phone like an app. Pages you have opened keep working with no signal.

Serious security

Two step verification with an authenticator app or email, and encrypted sensitive fields.

Simple pricing

Start free. Upgrade when you outgrow it.

See what is included