Personal Ledger vs RE Intelligence

Personal Ledger is not a budgeting app. It is a verification app. If you already keep a cashflow plan in Excel — what should come in, what should go out, month by month — Personal Ledger imports that workbook and then checks your real spending against it. Every day, per category, per bucket, per income source. So you find out on the 8th that you are drifting, not on the 30th. WHAT IT DOES • Import your .xlsx cashflow plan Your workbook comes in as-is. Income, Living, Liability and Investment categories, with the planned amount for each month. No re-typing, no rebuilding it inside someone else's app. • Compare actual against plan The dashboard shows monthly cashflow against what you planned, broken out by category and by bucket. Plan health is pro-rated by day of month, so being 20% through your groceries on the 6th does not raise a false alarm. • Log transactions in seconds Enter them by hand, paste a bank SMS and let the app parse it, or set up a Shortcuts automation once and let incoming bank alerts log themselves. Add a keyword per bank, so cards at more than one bank all feed the same parser. Message parsing runs on your device, using Apple Intelligence where available and a local text parser everywhere else. • Cashflow by income source If money arrives from more than one place, you can see which source is actually covering which spending. • Net worth balance sheet Assets minus liabilities, sitting alongside your monthly cashflow, so you can see the stock as well as the flow. • Built for the UAE The app picks your currency from your region on first launch — AED, SAR, QAR, KWD, OMR, JOD, EGP, USD, EUR or GBP — and converts anything you log in another one at live rates. Merchant rules for the places you actually spend. And a configurable salary day, so each cycle runs pay day to pay day instead of pretending your money resets on the 1st. YOUR LEDGER STAYS ON YOUR DEVICE There is no account to create and no cloud sync. Your transactions, plans, assets and liabilities are stored locally on your iPhone. Your spreadsheet is read and processed on your device. Bank messages are parsed on your device. Your ledger is never uploaded. The app does include two Google Firebase services: Analytics, which reports anonymous usage and purchase events so we can measure which ads bring people here, and Crashlytics, which sends a report if the app crashes so the problem can be fixed. Both are described in full in the privacy policy, and neither ever includes your financial data. PERSONAL LEDGER PRO The core app is free. Pro unlocks deeper plan analysis, and comes with a 7-day free trial. • $3.99 per month • $24.99 per year • $99.99 once, forever Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel in your App Store account settings. QUESTIONS Email jad@salhani.com. A real person reads it. Privacy policy: https://jadsalhani.com/apps/personal-ledger/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

RE Intelligence is a decision-making framework built on real estate information infrastructure — it empowers every stakeholder, from the first-time buyer to the broker and the investor, to reach their own goals on their own terms. Data-driven district scoring across 117 global cities in 33 countries. RE Intelligence scores and ranks 13,734 districts using 38 indicators from 4 locked institutional and academic data sources. Every district passes through 7 Validation & Reliability (V&R) gates before a score is published. MAP VIEW Color-coded district zones on an interactive map; tap any zone for its scoring breakdown, category analysis and key indicators. DISTRICT LENS Tap ◎ Lens to count the cafés, restaurants, shops, schools, transit stops and hotels in each district. CARDS VIEW Ranked district cards with scores, tier badges, category bars and a jobs line, plus a same-tier peer comparison. PROPERTY SCOUT — LIVE AI ANALYST Ask in plain language and get a ranked answer for any covered city; from a district card, "Take me to the Analyst" compares nearby or similar zones. Signed in, the Analyst remembers your conversation. Export a shareable PDF report with maps and a QR link. PLANS Basic and Advanced monthly subscriptions through Apple add a monthly token allowance for reports (100,000 or 1,000,000 tokens). Prices appear in your App Store currency; renews monthly unless cancelled in Apple ID settings. YOUR API Create API keys in Profile → Plan & API, see your usage, and connect your own app, website or AI assistant (REST or MCP) with your plan's tokens. LIGHT MOMENTUM Monthly satellite night-light readings for every district — rising, stable or fading. WEATHER AND CLIMATE & AIR Today, the hours ahead and the next 7 days, on the city's own clock; extreme-heat days over the last 12 months, air quality and expected rain. Information only — not part of the score. ZONES AROUND ME The scored districts nearest to you, with optional nearby alerts (off by default) for Prime districts. WHATSAPP AND REELS Chat on WhatsApp from the app: send a location, get the district's score and report. Press and hold a notification to watch a short clip of the city's landmark, also in the Bell inbox. CITIES COVERED (117 cities, 33 countries) Saudi Arabia: Riyadh, Jeddah, Makkah, Madinah, Abha, Al Ahsa, Al Bahah, Al Kharj, Al Khobar, Arar, Buraydah, Dammam, Hail, Jazan, Najran, Sakaka, Tabuk, Unaizah Gulf: Dubai, Abu Dhabi, Sharjah, Ajman, Al Ain, Doha, Muscat, Kuwait City, Manama Egypt: Cairo, Alexandria, Sharm El Sheikh Türkiye: Istanbul, Ankara, Antalya Europe: London, Amsterdam, Athens, Baku, Barcelona, Birmingham, Brighton, Cannes, Cardiff, Dublin, Eastbourne, Edinburgh, Geneva, Glasgow, Hamburg, Haywards Heath, Hove, Lagos, Liverpool, Madrid, Malaga, Malta, Manchester, Marbella, Milano, Naples, Newcastle, Nice, Nicosia, Oslo, Paris, Porto, Roma, Rotterdam, Seville, Strasbourg, Valencia, Vienna, Zurich Asia: Singapore, Bali, Bengaluru, Cebu, Chennai, Davao, Hong Kong, Jakarta, Kolkata, Kuala Lumpur, Manila, Mexico (Pampanga), Mumbai, New Delhi, San Pablo, Seoul, Tokyo North America: New York, Toronto, Boston, Dallas, Daytona Beach, Denver, Fort Lauderdale, Hartford, Honolulu, Houston, Jacksonville, Los Angeles, Melbourne, Miami, New Jersey, Orlando, Ottawa, Philadelphia, Port St. Lucie, Raleigh, San Francisco, Seattle, St. Augustine, Syracuse, Tampa, Vancouver, Washington DC, West Palm Beach SCORING TIERS Prime (80-100) | Strong (65-79) | Moderate (50-64) | Caution (35-49) | Avoid (0-34) ALSO 5 weight profiles (Default, Retail & F&B, Office, Luxury, Tech & Innovation) · 9 languages (English, Arabic, Turkish, Malay, Urdu, Hindi, Russian, Chinese Simplified and Traditional) · the full terms, privacy and refund policies in the app in all 9 · 12 display currencies, SAR base · in-app inbox · Light and Dark mode. Privacy Policy: https://reintelligence.info/privacy.html Terms of Use: https://reintelligence.info/terms.html