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Each paycheck is split into three buckets: Fixed cost for bills and set-asides, Guilt free for everyday spending, and Invest / save. New budgets start at 50/40/10. To change it, tap Edit split on the Budget tab.

It’s the money left after your bills and savings are covered. Ledgium shows how much is left, and how much you can spend each day until your next payday.

Each bill goes on the latest paycheck that arrives on or before its due date, so it’s covered before it’s due. You can move a bill to a different paycheck when you edit it.

On the Calendar tab, pick the day, tap +, and choose Bill or Income. Other income, like a side job, either splits like a paycheck or goes to one bucket.

Give a credit card a payment due day under More › Accounts and cards. Purchases on the card count against your budget when you make them, and they gather into a monthly card bill on the Calendar. Paying the card bill doesn’t count as spending twice.

No. Ledgium never asks for bank logins or account numbers. You add bills, income, and spending yourself, or import bills from a spreadsheet.

On your iPhone, and in your private iCloud database when iCloud is on, so it syncs to your other iPhones. Tristar Dynamics can’t see it. The privacy policy has the details.

Sign in with the same Apple Account and keep iCloud on for Ledgium, and your budget syncs over. Pro should unlock on its own. If it doesn’t, tap the Pro card in More, then Restore purchases.

Delete a bill, transaction, or category in Ledgium and it’s removed from every device that syncs. To remove everything, delete the app, then delete Ledgium’s data in Settings › Apple Account › iCloud › Manage Storage.

• Trends, bill reminders, and Home Screen and Lock Screen widgets
• Annual set-aside for yearly bills
• Unlimited buckets, more than one pay schedule, and custom paydays
• Card guide, shared expenses, and CSV export

Yes. Monthly and yearly plans start with 7 days free for eligible Apple Accounts. Cancel at least 24 hours before the trial ends and you won’t be charged. Lifetime is a one-time purchase.

Open Settings › Apple Account › Subscriptions on your iPhone, choose Ledgium Pro, and cancel. You can also tap Manage subscription in More. Pro stays on until the end of the period you’ve paid for.

Apple handles App Store payments and refunds. You can request a refund at reportaproblem.apple.com.