Defter: Personal Ledger

**Defter** (Turkish for "notebook") keeps your financial life on one calm, beautiful page — and opens like one. **Free, forever:** • Track cards and accounts manually — balances, statements, due dates • Apple Card, Apple Cash & Savings sync, fully on-device • Best-card picker: know which card earns the most before you swipe • Custom reward rules + benefits — tiered earn rates, sign-up bonuses, and perks like companion fares, tracked toward their spend thresholds • Favorite, reorder, and sort your cards however you think about them • Statement cycles, payment-due calendar, and smart reminders • Cash flow, net worth history, monthly forecast, missed-rewards insights • Separate ledgers for personal and business — switch with a tap • An on-device AI assistant that answers questions about *your* numbers • Home-screen widgets, Live Activities, and Spotlight search **Defter Pro** adds direct bank connections, so balances and transactions stream in on their own: • Plus — 3 banks • Pro — 10 banks • Ultra — unlimited banks One connection covers every card at that bank. Everything else in Defter stays free — Pro only meters direct connections. **Private by design.** Your transactions live on your iPhone, not our servers. Bank connections are read-only, powered by Teller. Location is used only when you tap "Best card here" and is immediately discarded. No ads, no tracking, no selling data — ever. Subscriptions renew automatically until cancelled in App Store settings. Terms: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/