Overview
Wallets Management
People
Planning
Monthly quotas
Bills and repeats
Goals
Transaction History
| Date | Transaction | Wallet | Amount |
|---|
Settings
Cloud Sync
Sign in with Google to back up your ledger and keep it in sync across your devices. That is the whole setup — there are no keys or codes to copy. Your data is encrypted on this device before it is stored, and row-level security keeps every other account out of it. It is not end-to-end encrypted: the key is derived from your account rather than a password only you know, so Supabase, the storage provider, could in principle read it.
Sign in to store your encrypted ledger. Your data is encrypted on this device before it is uploaded. The key is derived from your account rather than a password you keep, so this protects the stored data from other users — not from the storage provider.
App Lock
Ask for your fingerprint, face or phone screen lock before Ngern Ngok shows your ledger. Ngern Ngok never has a password of its own: if you can unlock your phone, you can unlock Ngern Ngok.
While the lock is on, the app switcher shows a blank screen instead of your ledger, and Ngern Ngok cannot be screenshotted.
Off. Ngern Ngok opens without asking.
Reminders
Daily Reminder
One notification a day, at a time you choose, to log what you spent. It is set on this phone only.
Off. No daily nudge.
Bills and budgets
Notifications set on this phone from your ledger. The lock screen shows only that Ngern Ngok has one.
Off.
Scan Slips
Find new slips
Each time you open Ngern Ngok, it looks for bank slips saved to your photos since it last looked. It reads only each photo's QR code, on your phone, and you choose when to read the slips it finds.
Find slips from earlier
Choose the first and last day to look through. Slips already in Ngern Ngok are left out.
Names on your slips
When you scan bank slips, Ngern Ngok compares the names printed on them with these to tell money you sent from money you received. Add every form your banks print: Thai and English, with or without a title.
How scanning works
- Each slip you choose is sent through Ngern Ngok's server to Google's Gemini model to be read. Only slips you pick, share or choose to read, never your whole photo library.
- Ngern Ngok does not keep the image, and Google does not use it to train its models. Only what is read from it (amount, date, names and reference) comes back.
- You check every entry before it is saved.
- On Android you can also share slips to Ngern Ngok from your bank app or Gallery. Ngern Ngok asks before it reads them.
- A photo scanned before, or a slip already in your ledger, is skipped and does not use a scan.
- The first 10 slips each month are free. Ngern Ngok Plus scans past that.
Ngern Ngok Plus
Crash Reports
When Ngern Ngok hits an error, it can send a short report: what went wrong and where in Ngern Ngok's code. It never includes your amounts, wallet or category names, notes, or your account.
Report a problem
Only what you type here is sent, with the app version and whether it is Android or the web. Please leave out amounts, names and account numbers. With crash reports off, Send opens your email app instead.
Base Currency
Every figure in Ngern Ngok is converted to this currency for display. Wallets keep their own currencies and their original amounts — changing this re-converts what you see, and changes nothing that is stored.
Go through the six lessons again, or try one you skipped.
Language
Ngern Ngok uses your phone’s language unless you pick one here. The choice is saved on this device only.
Appearance
Ngern Ngok follows whichever theme you pick here. The choice is saved on this device and applies the moment you tap.
Categories
Starter categories can be hidden but not deleted. Restore brings back any you hid or lost, under their starter names. Categories you made and your entries stay as they are.
Share with the Life Balance Index
The Life Balance Index scores your finances from figures you type in every week. Switch this on and Ngern Ngok works them out for you instead: a typical month's income and spending, your spendable savings, and whether you hold long-term investments. Nothing else leaves Ngern Ngok — no transaction titles, no notes, no wallet names.
The figures stay on this device and never travel over the network. The Life Balance Index fills them into its weekly review for you to confirm or correct — and it has its own switch, so it will only read them if you turn that on too. Switch this off and what was shared is erased.
Paused. Ngern Ngok and the Life Balance Index now live at different addresses, and a browser keeps each address's data separate on purpose. Ngern Ngok still works the figures out and records them here, but the Life Balance Index cannot reach them until the two apps share one address again. Nothing is lost meanwhile — the handoff simply does not happen.
Off. Nothing is shared, and anything shared earlier has been cleared.
Backup and Restore
Save your whole ledger — wallets, transactions, categories, budgets and schedules — to a file you keep. The file is locked with a passphrase you choose, so it stays unreadable if it ends up somewhere you did not intend. Keep that passphrase in your password manager: a backup cannot be opened without it, and it cannot be reset.
Bring in history from another app
Import a CSV file from Money Lover, your bank or a spreadsheet. It is read on this phone and nothing is uploaded. You check every column, wallet and category before anything is saved.
Use the statement PDF from your bank app. Ngern Ngok reads every amount on this phone and checks each one against the running balance, so nothing is missed or misread.
Automatic snapshots on this device
Ngern Ngok keeps recent copies of your ledger by itself, including one taken just before any restore. They stay on this device and are never uploaded.
Erase Database
Warning: This erases everything Ngern Ngok holds on this device — every wallet, transaction, category, budget and history — and returns the app to a completely empty clean slate. It cannot be undone. An encrypted backup is the only way to get any of it back.
Privacy & Terms
Everything that ever leaves this phone:
- Your ledger, only if you sign in to Cloud Sync. It is encrypted on this phone first and stored with Supabase.
- Slips you choose to scan, sent through Ngern Ngok's server to Google's Gemini to be read. Only the images you pick, never your photo library.
- Crash reports, on unless you turn them off under Crash Reports: the error and where in the code it happened, with numbers and quoted text stripped out.
- A request for exchange rates, at most once a day. It carries nothing about you or your ledger.
The full policy and the terms open in your browser.
Version
System update and release integrity verification.