CareLedger

Medical expense tracker for long hospital stays with split payments

Problem

A family member's hospital stay can last weeks, with insurance, out-of-pocket costs, relatives fronting money, temporary loans, and different family members paying at different times. Generic budgeting apps record transactions but cannot answer how much was actually spent, who advanced what, and what is still unsettled.

Solution

Create a case per treatment episode, tag each expense with payer, payment type (insurance/self-pay/loan) and settlement status, then auto-tally each person's advances and balances. Generate a one-click reconciliation list shareable with family.

Users

Families with long hospital stays where several members share costs

MVP

Treatment-case records; expense entry with payer and category; automatic advance and settlement calculation; one-click reconciliation list; read-only family share link

Revenue

Free basic tier; yearly subscription for cloud sync and multi-person collaboration; paid PDF export

Why now

Aging populations make long hospital expense tracking a common need, and generic apps ignore advance reconciliation; the niche is narrow and data-light, a good fit for a quick mini-program MVP