Built for Oman and the UAE
Where your money went, to the baisa.
Ledger keeps rials and dirhams straight across every account you hold, so the number on the screen is the number in the bank. No card linking, no conversions you did not ask for, no rounding.
- No card to start
- 30 days of Pro
- Export anytime
Analytics
August
Total in
1140.000
Total out
176.105
Net
963.895
Daily spend
OMR 176.105
0.001
The smallest unit Ledger tracks
The rial divides into a thousand baisa. Ledger stores money as exact decimals, never as floating point, so a balance is never 43.766999999999996.
2
Currencies, kept exact
OMR and AED, each belonging to its own account. Where they are combined, the figure is marked approximate — because it is.
0
Bank credentials we ask for
Ledger never asks for your online banking login, and cannot move money. It is a record, not an instruction.
What it does
Small things, done properly.
Most of this exists because the alternative was annoying. All of it exists because an accounting app that is confidently wrong is worse than no accounting app at all.
Rials and dirhams, kept apart
Each account keeps its own currency, so nothing is ever quietly converted. Per-currency totals are exact; the combined figure is marked approximate, with the rate that produced it.
Paste a bank SMS
The message is read on your device — it never reaches our servers — and fills in the amount, date, merchant and account. You confirm before anything is saved.
The things that repeat
Save rent, a salary, a standing transfer. Each month shows a tick beside the ones you have already recorded, so the one you forget is the one you can see.
Insights that compare
Every figure is shown against the month before. A category that appeared from nothing is as visible as one that doubled.
Zakat, worked out exactly
Nisab against gold or silver, your choice, at today's price. The arithmetic is exact to the baisa — and nothing you type is stored.
Your data, always
Export everything as JSON on any plan, free included. Taking your records with you is not something you should have to pay for.
The assistant
Ask it what changed.
Not a chatbot bolted onto a spreadsheet. It reads your own figures — this month against last, budgets against actuals, the merchants you typed yourself — and answers from those, or says it cannot.
- Every number it gives you comes from your ledger. It will not estimate.
- No account numbers, no IBAN, no email address ever leave the app.
- It is not a financial adviser, and it will tell you so.
This month at a glance
Which budgets am I about to blow?
One is already over, two are close:
- Online food: 28.330 of 25.000 — over by 3.330, and it is only the 6th.
- Laundry: 8.978 of 10.000 — 90% used.
Worth noting the big untouched line: rent, 0.000 of 400.000.
An example, using the illustrative figures above.
The message your bank already sent
Your account XXXX1234 has been debited with OMR 12.500 on 05/08/2026 at LULU HYPERMARKET. Avl Bal OMR 480.200
What Ledger read
- Amount
- OMR 12.500
- Direction
- Money out
- Date
- 05 Aug 2026
- Merchant
- Lulu Hypermarket
- Category
- Grocery — remembered from last time
Recording, without the typing
Paste it. Check it. Done.
Ledger reads Omani and Emirati bank messages — English or Arabic, whatever your bank sends — and fills the form. It never saves anything on its own: a misread amount that posted silently would be worse than one you have to correct.
The parsing happens in your browser. The text of your bank messages never reaches our servers.
Installs like an app
Add it to your home screen and it opens full-screen, no browser bar. Native iOS and Android are on the way.
Readable offline
Your ledger stays visible without a connection. Writing waits until you are back — a balance no server has agreed to is not a balance.
Leave whenever
Full JSON export on every plan, and an Excel workbook on Pro with real numbers, not text that looks like numbers.
Pricing
One price, in your currency.
Start with thirty days of everything. No card, and no countdown banner nagging you on day two.
Free
Enough to keep one account honest.
OMR 0.000 / month
- Two accounts
- Unlimited categories and budgets
- Insights, month by month
- Paste a bank SMS
- Export your data whenever you like
Pro
30 days freeEvery account, and an assistant that reads them.
OMR 1.900 / month
- Unlimited accounts, in OMR and AED
- The assistant — ask anything about your month
- A monthly read written from your own figures
- Excel export with real numbers, not text
- Repeats, merchant memory, month-on-month comparison
- Zakat calculator
No card to start. Cancelling stops the next renewal and leaves the month you paid for intact.
Questions
The ones worth answering.
Does Ledger connect to my bank?+
No, and that is on purpose. There is no open-banking standard across Oman and the UAE worth relying on, and handing a third party your banking login is a bad trade. Instead you paste the SMS your bank already sends you, and Ledger reads it on your device.
Can I hold accounts in both OMR and AED?+
Yes. Currency belongs to the account and never changes, so a dirham purchase stays a dirham purchase. Totals per currency are exact. Where a combined figure is shown, it is labelled approximate and the rate is shown next to it.
What does the assistant actually see?+
Aggregates and the notes you typed yourself: balances, this month and last, budgets, spending by category, and your recent entries. It never receives your account numbers, your IBAN, your email address, or anything identifying you.
Is my data used to train anything?+
No. Your ledger is yours. It is not sold, not shared, and not used to train models.
What happens if I stop paying?+
You drop to the Free plan. Nothing is deleted, every figure stays where it is, and the export button keeps working. You keep Pro until the end of the month you already paid for.
Is there a mobile app?+
Ledger installs to your home screen and works like one. Native iOS and Android apps are being built on the same API.
Start with one account and this month.
That is genuinely enough to see where the money is going. Everything else can wait until you want it.