Actions in plain language
Ask Plu to add supported records or manage a budget without navigating every form yourself.
Features
Meet the AI assistant that can help do the work.
Pludo Ledger is built around Plu, an intelligent personal finance assistant that can answer questions and take supported actions on your records when asked. Use Plu to move from a request to a completed task, or use every core feature manually when you want direct control.
Updated August 22, 2026
01
Ask Plu to turn questions into action
Plu works with the financial context you choose to share. Ask it to add a transaction, explain a change in spending, summarize recent activity, create or update a budget, or help organize the information extracted from a receipt.
The assistant is designed to help complete real work instead of stopping at a generic answer. Receipt details are prepared for review, and destructive changes require confirmation. Because AI can make mistakes, important records and conclusions should still be checked.
Analysis with your context
Explore spending, balances, categories, and recent changes using the records you choose to share.
AI receipt scanning
Send a receipt to your selected AI provider and review the prepared merchant, items, amount, date, and category.
Global currency intelligence
Plu automatically factors foreign currency transactions into your budgets for accurate insights no matter where you travel.
02
Keep complete manual control
AI is never the only path through Pludo Ledger. The full manual workspace lets you record and edit information directly, inspect the numbers behind a summary, and decide exactly how your personal finance system should be organized.
You can move between Plu and the manual interface as your needs change. Ask for help when speed matters, then open the underlying transaction, budget, goal, or report when you want to inspect or adjust the details yourself.
Simple money tracking
Record income, expenses, transfers, and notes without connecting a bank account.
Budgets that stay useful
Set limits, see progress, and understand where spending is moving.
Your cycle, not the calendar
Pick any month start day, like your salary date, so budgets, reports, and goals compare your real cycle instead of calendar months.
Goals with context
Create savings goals and follow progress alongside the rest of your finances.
Recurring payments
Keep regular bills and subscriptions visible so fewer costs take you by surprise.
Clear reports
Review categories, trends, balances, and recent activity in straightforward views.
Currency converter
Convert amounts with live exchange rates in a standalone tool, alongside per-transaction currencies and stored exchange rates.
Statement export
Turn your transaction history into a formatted PDF statement for records, loans, or expense proof.
03
Stay on top of it without opening the app
Tracking only works if it fits the rest of your day. On Android, Pludo Ledger puts the parts you use most within reach of your home screen, so logging something takes a tap rather than a detour.
A daily check-in shows what you recorded and asks whether anything is missing, at a time you choose. It is the difference between a total you hope is right and one you have actually looked at.
Home screen widget
See account balances at a glance and jump straight into adding a transaction.
Quick Settings tile
Add an expense from the same panel as Wi-Fi and brightness, without unlocking into the app first.
App shortcuts
Long-press the icon to add an expense, scan a receipt, or ask Plu.
Share to Ledger
Share a receipt photo from your gallery or browser and let Plu prepare the details.
Daily check-in
A short summary of the day with a prompt to add anything you missed. Set the time, or turn it off.
04
Choose how connected you want to be
Core financial records begin in device storage. If you want AI assistance, Pludo Ledger sends the prompt, relevant context, and any receipt image you attach for that request to the selected AI provider. Authentication, exchange-rate lookups, notifications, and device transfer can also use online services when you choose those features.
If you prefer a fully private and local workflow, leave AI disabled and use the manual tools. You can export your records for a separate backup, or turn on automatic Google Drive backup, and no bank connection is required to begin tracking.
AI when you want it
Invoke Plu for a specific question or task and share the context relevant to that request.
Local mode when you do not
Use manual tracking without submitting your financial records to an AI provider.
Your own copy
Export a .lbx backup or a formatted PDF statement any time, or opt in to automatic Google Drive backup so a new device can restore it for you.
- 01No bank connection required
- 02No advertising based on your financial records
- 03Optional device lock where supported
- 04PDF statements and .lbx backup exports included, plus opt-in automatic Google Drive backup
Give Plu a real task.
Open Pludo Ledger, ask a question, or build your workspace manually. The choice stays yours.