Accord Ledger

Accord Ledger helps people manually track an existing shared debt obligation, understand each participant's agreed share, plan monthly contributions, and explore what happens when one participant temporarily contributes less.

Create obligations with a current balance, fixed annual rate, regular monthly payment, first payment date, optional recurring fees, and participants with agreed percentage shares totaling 100%. View the selected obligation on Home with its balance, next shared payment, planned and actual participant contributions, and any missing amount.

The contribution plan separates scheduled amounts from manual records. For each month, Accord Ledger estimates interest, fees, principal repayment, remaining balance, and each participant's share. You can mark received contributions with date and amount as local records only; the app does not move money.

The shortfall simulator lets you choose a month and participant, enter a reduced contribution, assign who temporarily covers the gap, and select future months for compensation. It compares original and adjusted contributions, shows temporary coverage, compensation, remaining imbalance, and whether the selected window is enough. Scenarios can be saved as calculation snapshots, and valid fully covered scenarios can be applied to the future plan only after an explicit action.

The journal groups actual manual entries by month and participant, shows differences from the plan, and tracks accumulated temporary coverage. Saved scenarios are available in a separate searchable list with detailed matrices.

Accord Ledger is fully offline. There are no accounts, API calls, bank connections, lender interactions, loan applications, approvals, synchronization, or money transfers. Calculations are estimates based on the conditions you enter and are not creditor statements or legal obligations.

Optional tools include display currency settings without exchange conversion, local reminders for upcoming contributions, onboarding review, app rating through the system flow, and attaching one private local photo of a personal paper note to an obligation.