Separate, not mixed
Personal and Business each get their own transactions, budgets, currency and look. No more untangling lunches from line items at tax time.
Personal & business finance · Android
Master your money. Personal and business, in one place.
Pace Ledger keeps two separate financial worlds under one account — each with its own transactions, budgets, and currency. Track spending, plan ahead, and export accountant-ready statements in a tap.
Free to start
·
PIN & biometric lock
·
No ads
GOOD MORNING
Hasan
TOTAL BALANCE
GBP 4,450
INCOME6,918
EXPENSES1,550
PROJECTED · 6 MONTHSGBP 9,040
+918/mo ›
Calendar View
Recent TransactionsSEE ALL
JUN 8, 2026
Monthly RentHousing / Rent
-1,500
KFCFood & Dining
-50
Head ChefSalary
+6,000
GOOD MORNING
Ecotec Packages
BUSINESS BALANCE
GBP 965,000
REVENUE1M
EXPENSES35,000
PROJECTED · 6 MONTHSGBP 969.6K
+918/mo ›
Calendar View
Recent TransactionsSEE ALL
JUN 8, 2026
Office rentHousing / Rent
-25,000
Software & AppsSoftware & Apps
-10,000
SalesBusiness
+1M
One financial home
Two worlds. One app. Total clarity.
Most apps make you choose between your personal life and your business books. Pace Ledger keeps both — fully separate, instantly switchable, beautifully organised.
Insight, not just data
Plain-English insights compare this period to the last — spending trends, fastest-growing categories, savings rate and profit-margin health.
Private, by design
PIN and biometric unlock, auto-lock, and lockout protection keep your numbers yours. Privacy-first, with no ads and no clutter.
Features
Everything you need to run the numbers
Real, shipped features — built to be fast, clear and genuinely useful day to day.
Personal & Business profiles
Keep your life and your books completely separate — different transactions, budgets and currency. In Business mode, necessary expenses are flagged tax-deductible.
Smart transaction tracking
Log income and expenses with auto-categorisation and smart icons. Everything is grouped by date and instantly searchable and filterable.
Professional exports
Hand your accountant a clean statement in seconds.
PDF
Excel
CSV
Budgets & savings goals
Set monthly and yearly budgets with live spend tracking and progress bars. Savings goals fund themselves automatically from linked transactions.
Subscription & bill tracking
Track recurring bills across weekly, monthly, quarterly or yearly cycles, with renewal countdowns and one-tap “log payment”.
Debt tracking
See money you’ve lent and money you owe, with progress — plus interest and late-fee handling for business.
Analytics & insights
Charts plus plain-English insights that compare this period to the last, so trends jump out.
Secure by design
App lock with PIN and biometric unlock, auto-lock and lockout protection. Privacy-first.
Why it matters
Outcomes you can feel
Features are the means. Here’s what actually changes once Pace Ledger is in your pocket.
Know exactly where your money goes
Auto-categorisation turns a stream of transactions into a clear picture, grouped by day and ready to search.
Every dollar, accounted forAuto-categorised & searchable
Plan ahead with monthly & yearly budgets
Live progress bars show what’s left before you overspend — across every category you care about.
Monthly & yearlyLive spend tracking
Run business and personal side by side
Switch worlds in a tap. Business mode flags tax-deductible expenses so nothing slips through the cracks.
2 worlds, 1 tapSeparate data & currency
Hand your accountant a clean file in seconds
Export a styled PDF, formatted Excel, or CSV — neat, complete, and ready for tax time.
PDF · Excel · CSVOne-tap statements
How it works
Up and running in three steps
No spreadsheets, no setup marathon. You’ll be tracking within minutes.
Download
Get Pace Ledger free from Google Play and open it — no account hoops to start tracking.
Set up your profiles
Choose your currency, then set up Personal and (if you need it) Business. Add a PIN or biometric lock.
Take control
Log transactions, set budgets and goals, watch the insights roll in — and export whenever you need.
Social proof
Built for real money lives
“Finally one app where my freelance income and my household budget don’t collide. The tap to switch is the feature I didn’t know I needed.”
AR
Ava ReyesFreelance designer · Placeholder
“Tax season used to be a weekend of dread. Now I export an Excel file and my accountant has everything. The tax-deductible flag alone paid for Pro.”
MT
Marcus TanCafé owner · Placeholder
“The subscription tracker caught three renewals I’d forgotten. The insights tab feels like a quiet financial coach in my pocket.”
LP
Lena ParkProduct manager · Placeholder
FAQ
Questions, answered
Everything you might want to know before you download.
Yes — Pace Ledger is free to start with core tracking, budgets and bills. An optional Pro upgrade unlocks unlimited everything and the full business toolkit. There are no ads.
Pace Ledger is privacy-first. The app is protected by a PIN and biometric (fingerprint/face) lock, with auto-lock and lockout protection. Your data is encrypted in transit, securely synced across your devices, and never sold to anyone.
Absolutely — that’s the heart of the app. You get two separate financial worlds under one account, each with its own transactions, budgets, currency and look. Switch between them in a tap, and let Business mode flag tax-deductible expenses.
Pace Ledger is available on Android today. An iOS version is on our roadmap — join the newsletter to hear when it lands.
From the export center you can generate professional statements as a styled PDF, a formatted Excel (.xlsx) workbook, or a plain CSV — perfect for accountants, reimbursements or your own records.
No. Pace Ledger has no ads — not on the free plan, not anywhere. Your attention isn’t the product.
There are two paid tiers. Pro unlocks unlimited transactions, budgets, goals, bills and debts. Business Pro adds the full business toolkit: a separate Business profile, tax-deductible flagging, invoices, profit & loss, tax summaries, client/vendor tracking, the export center and audit logs. See pricing.
From the blog
View all posts
Money, made clearer
Budgeting
The 50/30/20 budget, adapted for real life
A flexible take on the classic rule — and how to wire it into monthly and yearly budgets that actually stick.
Business
Personal vs business: drawing the line
Mixing the two is the #1 bookkeeping headache. Here’s a clean system that keeps tax time calm.
Saving
Savings goals that fund themselves
Automatic, friction-free saving beats willpower every time. How linked transactions do the work for you.
Get started free
Your money, finally in order.
Download Pace Ledger and set up your first profile in minutes. Free to start, no ads, and your data locked behind PIN & biometrics.
- Free to start
- No ads
- PDF · Excel · CSV exports
- Cancel Pro anytime