Fair & Transparent

Ethical pricing with zero interest. Ever.

Personal tracking is 100% free forever. Upgrade to Pro when you need dedicated business spaces, separate accounting books, and automated email due date reminders.

PersonalFree Forever

Personal Ledger

Ideal for individuals and households keeping track of daily cash, friendly loans, and debts owed.

₦0/ free forever

1 Personal Ledger: Track your loans given and debts owed

Income & Expense Tracking: Categorize daily cash flows

100% Offline Capability: Works anywhere without an internet connection

Data Portability: Export records to PDF statements and CSV anytime

Zero Interest & Ads: No penalties, no predatory trackers

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Recommended for Businesses

Ethical Ledger ProPro Space

Business Space

For businesses, freelancers, and merchants who need dedicated financial spaces completely segregated from personal accounts.

₦24,000/year~$15 USD/yr

Effective ₦2,000/mo (~$1.25 USD) • Billed annually

Dedicated Business Spaces: Complete separation from personal loans & expenses

Separate Accounting Books: Independent balances, incomes, and expenses

50 Automated Reminder Emails / mo: Smart notices for due and overdue loans

Gentle Borrower Notices: Respectful, interest-free reminder links for clients

Smart Anti-Spam Safety: Frequency capped to max 1 reminder per loan every 3 days

1 Active Business Space: Add more spaces anytime or swap active businesses freely

Frequently Asked Questions

Why is there zero interest on all loans and debts?

Ethical Ledger is built on the principle that loans between individuals and community members should preserve relationships, not exploit them. The app does not include interest fields, penalties, or compounding algorithms anywhere.

How does the 1 Business space plan work?

Each Pro plan covers 1 active business space. If your venture changes, you can archive or delete existing businesses to switch to a new one, or subscribe for an additional business space to run multiple companies under the same account.

What happens to my 50 monthly reminder emails?

Each billing month, you receive a fresh allowance of 50 reminder emails. Priority system emails (sign-ins, password resets, payment receipts, and feedback) are always unlimited and never deduct from your quota.

Can international users subscribe?

Yes! Paystack supports international Visa, Mastercard, and Verve cards from all countries. Approximate USD equivalents are provided for convenience, and transactions convert automatically at bank checkout.