See Where Your
Money Really Goes
Your money tells a story and the spending feature makes sure you’re the one writing it. From daily expenses to monthly bills, you’ll see exactly where every cedi is going, so you can make choices with clarity and confidence.
Budgeting That Fits Your Life
Create budgets that are realistic, flexible, and designed for your goals. Whether you're managing essentials or cutting back on splurges, Ladder helps you set limits that actually work. You can also adjust your spending category limits at any time to account for changes in your finances, so your budget always reflects your current reality.
Get the Full Picture
of Your Money
Tracking only your expenses is half the story. Ladder's Spending feature allows you to capture everything coming in and going out — giving you a true view of your financial position. This complete insight helps you:
How to Track Your Money
on Ladder
Open the Spending Feature
Head to the Spending tab in the app.
Log or Link Transactions
Add income and expenses manually or connect your accounts.
Categorize Your Money
Organize inflows and outflows into categories that work for you.
Open the Spending Feature
Head to the Spending tab in the app.
Log or Link Transactions
Add income and expenses manually or connect your accounts.
Categorize Your Money
Organize inflows and outflows into categories that work for you.
Turn Insights into Action
With Ladder’s Spending feature, you’re building the awareness to make smarter financial moves. Every cedi in and out is tracked, so you stay in control. Download the app and stay on business.