# PlainLedger: Budget vs Actuals — Personal & business finances

> Personal & business finances (iPhone/iPad app by Larissa Copeland.)

- Source: https://appshunter.io/ios/app/plainledger-budget-vs-actuals/id6798457721 (this page in markdown: same URL + `.md`)
- Developer: [Larissa Copeland](https://appshunter.io/developer/6798457933)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 13.0 · 17 MB
- Languages: American English
- Released: 2026-08-24
- Data updated: 2026-10-01

## What is PlainLedger?

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.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| PlainLedger Pro | $14.99 | one-time |


## Is PlainLedger safe?

Not enough ratings yet to assess PlainLedger.

## Is PlainLedger legit?

PlainLedger: Budget vs Actuals has limited verification signals. The AppsHunter Legitimacy Score for PlainLedger is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 3 releases)

### 1.3 — 2026-08-31

Removed the image with the scan a receipt as this functionality is not in this app.

### 1.1 — 2026-08-29

App name update and performance improvements. Also updated images.

### 1.0 — 2026-08-25

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-01.*