REAL RATE · ENVELOPES · SNAP & GO

Know what your income is really worth where you live.

A budgeting tool for people paid in one currency and living on another. It works out what actually lands after every fee and spread, turns that into a budget you can hold, and reads your receipts from a photograph so you never type one.

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Free · Works on your phone · Your ledger never leaves it

XPAT LEDGERToday

LANDED THIS MONTH₱153,2504 days left in August

SPENT SO FAR₱121,41079% of this month's landed money

SAFE DAILY₱7,960for the 4 days left

At ₱4,514/day you're on pace for ₱139,940 — ₱13,310 under this month's ₱153,250. GREEN.

Year to date you are ₱21,480 over across 7 closed months. A lean month recovers it.

TodayReceiptsPlanCheckMonths

Real figures from a $2,500/month income at ₱57 — including the ₱2,300 a month most people never see leave.

THE REAL RATE

The rate on Google is not the rate you get.

Between the headline rate and money in your hand sits a stack of leaks — the transfer spread, ATM fees, card FX, a flat wire charge. XPAT Ledger does that arithmetic once and shows you the number that actually matters.

Your effective rate Enter your income, today's rate, and how you move the money. See the rate you are genuinely getting, what lands each month, and exactly what the leaks cost — in both currencies.

Every rail, compared honestly Wise, a remitter, a fee-refunding ATM card, a bank wire — each with its real fee model and what it is actually good at. No affiliate links, and the page says so in plain words.

A drift signal Set the rate you planned around. When today's rate moves, you are told in plain language whether this month just got tighter, and by how much.

THE BUDGET

A budget that tells you the truth on the 14th, not the 30th.

Your landed money, split into envelopes you choose, with a daily allowance and a verdict you cannot misread. The point is to find out you are overspending while there is still time to correct it.

Envelopes you control Rent, food, school, transport, a savings buffer — edit any name or percentage and the amounts move live. A bar shows what is left unallocated.

RED or GREEN, plainly Your daily pace projected to month-end against what landed. RED means on pace to overspend, with the safe daily figure that recovers it. GREEN means you are fine.

A year that balances One heavy month is not a failure if a lean one follows. The year balance nets your months so you can see whether the year is actually on track.

SNAP & GO

Photograph the receipt. The total is read for you.

Budgeting fails because logging is tedious. So there is nothing to type: point the camera at a receipt and the vendor, total, currency and date come back on their own.

Awkward receipts included Crumpled thermal paper, an angle, a foreign currency, a decimal comma written 36,90. The number is shown to you to check, because a reader that is wrong about money is worse than no reader.

Credits and comped items A refund is money coming back and reduces your month. A genuinely free item logs as zero. Both are labelled on the row so neither looks like a mistake.

Or bring your own model Point the app at any vision model you run yourself — Ollama, LM Studio, MLX, llama.cpp — and your browser calls it directly. The photo never touches our servers at all.

YOUR DATA, AND YOUR RECORDS

It lives on your phone, and it is yours to take.

There is no account and no sign-in. Your ledger is stored on your device, which means we cannot see it — and equally, that backing it up is your job and the app is direct with you about that.

No account, no tracking No sign-up, no analytics, no advertising, no third-party scripts of any kind. The only thing that leaves your device is a receipt you choose to scan.

A searchable archive Every receipt and photo you log, searchable across every month by vendor, year or amount. Receipts matter for years — tax authorities commonly expect three to ten.

Backup and a tax CSV Take everything out as a single file whenever you like, or export one tax year as a spreadsheet an accountant can open, with each row tied to its photo.

What it does not do yet

Being straight, so nothing here oversells: there are no accounts and no sync — your ledger lives on one device, and moving to a new phone means restoring your backup file. Cross-device sync is planned and is the reason accounts will eventually exist.

It is also a planning tool, not financial advice. Fee defaults are editable starting points rather than quotes, and live rates come from a public feed that can lag. Verify anything that matters. The Terms and Privacy policy say all of this in full.

See what your income is really worth.

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Takes about a minute · Free · Terms · Privacy