PlainLedger: Budget vs Actuals

Two kinds of money. One clear picture. PlainLedger is a budgeting and P&L app built for people juggling more than one kind of income — a day job and a side hustle, a freelance business and personal expenses, or just a business owner who wants their numbers to actually make sense. Switch between Personal and Business modes instantly. Each one gets its own dashboard, its own categories, and its own view of where the money's actually going. Import your real bank statements Bring in CSV or PDF statements from your bank, and PlainLedger automatically sorts transactions into the right categories — learning your specific vendors as you go, so a fix you make once sticks for every future import, automatically. Know your real margin, not just your balance A live Income vs. Expenses view, updated the moment you add or import a transaction. See your net margin, your monthly trends, and exactly what's eating into your profit. Built-in tools for freelancers and small business owners Retainer Calculator — know what to charge before you say yes Tax Reserve & Safe Monthly Draw — stop guessing what to set aside Client tracker with automatic payment detection Runway Reserve — know how many months your business could run on savings alone For your personal finances too Savings goals with a smart overflow split between two priorities Debt Payoff Planner — avalanche or snowball, your choice Net Worth tracking over time Automatic Insights that flag real patterns — not noise Your data stays yours Everything lives on your device. No account, no cloud sync, no ads, and nothing about your finances is ever sent anywhere. Face ID protects your data before it ever leaves your phone, even for something as simple as exporting a backup. One purchase. No subscription. Ever. Try it free with 3 custom categories, 3 statement imports, and the core budgeting tools. Unlock Pro once, for a single price — no recurring charges, no surprise renewals.