Comparison

Money vs Ledger Cloud

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Money

This app is a comprehensive tool for managing your personal finances. It allows you to track expenses, create budgets, monitor investments, and gain a clear overview of your financial health. Stay organized and in control of your money with smart features and detailed reports.

Highlights
  • Smart budgeting with real-time tracking
  • Automatic expense categorization
  • Complete financial overview dashboard
  • Investment performance monitoring
  • Detailed financial reports with charts
  • iCloud sync and biometric security
Features
Read full description

Money 9.0 is a major update to our award-winning personal finance app, fully embracing Apple's most significant design evolution since iOS 7 - Liquid Glass. App UI has been updated for iOS 26, iPadOS 26, and macOS Tahoe 26, with Swift powering key parts of the app for better performance and tighter integration with Apple's latest platforms. Controls, navigation bars, and sidebars adopt Liquid Glass - the translucent material that refracts content, responds to light and motion, and keeps your financial data front and center. WHAT'S NEW IN 9.0 - Liquid Glass UI across all controls, tab bars, and sidebars - Swift-powered components for improved performance and platform integration - Faster performance and smoother animations - Effortless navigation with fewer taps to budgets, transactions, and reports - Unified experience on iPhone, iPad, and Mac - Updated typography, capsule controls, and full Dark Mode support PERSONAL FINANCE & MONEY MANAGEMENT Take control of your personal finance with Money - the comprehensive money manager that tracks every dollar, every account, and every financial goal. Budget your spending, track your expenses, manage your bills, and grow your savings - all in one beautifully designed app. BUDGET PLANNER & SPENDING TRACKER Create flexible budgets for every category - groceries, dining, transportation, housing, utilities, subscriptions. Track monthly budget vs actual spending with smart alerts. EXPENSE TRACKER & TRANSACTION CATEGORIZATION Log expenses in seconds with auto-categorization - food, shopping, travel, bills, healthcare. Add notes, attach receipts, split transactions, track recurring expenses. BILL REMINDER & RECURRING PAYMENT MANAGER Never miss a bill. Tracks rent, mortgage, utilities, subscriptions, credit cards, insurance, loans. Notifications before bills are due. SAVINGS GOAL TRACKER Set savings goals - emergency fund, vacation, home, retirement, wedding, education. Track progress with visual indicators. INVESTMENT PORTFOLIO TRACKER Track stocks, ETFs, mutual funds. Real-time performance, dividends, gains, and asset allocation across all brokerages and retirement accounts. CRYPTO PORTFOLIO TRACKING Track Bitcoin, Ethereum, and other crypto holdings alongside traditional investments. Monitor prices, portfolio value, and gains. NET WORTH TRACKER Watch net worth grow over time. Calculates total assets minus liabilities - bank accounts, investments, real estate, debts, mortgages. BANK SYNC & OPEN BANKING Connect to thousands of banks with secure bank sync. Auto-import transactions. Real-time balance updates for checking, savings, credit cards, loans. REPORTS & INSIGHTS Detailed reports - income vs expense, category breakdowns, monthly comparisons, cash flow charts, and forecasts. MULTI-CURRENCY SUPPORT Money supports multi-currency tracking with automatic exchange rate updates. Manage USD, EUR, GBP, JPY, and dozens more. PRIVACY & SECURITY Your financial data is yours alone. Local storage with optional iCloud sync. Face ID and Touch ID protect access. No tracking, no ads. WORKS EVERYWHERE iPhone, iPad, Mac, and Apple Watch - seamlessly synced via iCloud. ONE-TIME PURCHASE - no subscriptions, no recurring fees. Pay once, own forever. Money has helped people manage their finances for over 20 years. Version 9.0 is our biggest leap yet.

About

Ledger Cloud

Features
Read full description

Ledger Cloud is your personal finance hub — track spending, plan budgets, chase savings goals, and pay down debt, all from one clean list of transactions. WHY LEDGER CLOUD Most apps give you one wallet. Ledger Cloud gives you as many as you need. Keep Personal separate from Work, Travel, Shared Money, or any project — each with its own currency, categories, budgets, and history. TRACK EVERYTHING • Add expenses and income in seconds • Organize by custom categories • Filter by week, month, or any date range • Review recent activity at a glance PLAN WITH BUDGETS • Build category budgets that match how you actually spend • Watch remaining balance as the period unfolds • Start simple — add a budget whenever you’re ready GOALS & DEBTS • Set savings goals and log contributions • Track debts and record payments • Keep progress visible next to everyday spending CLEAR ANALYTICS • See income and expenses by category • Compare periods side by side • Spot what’s growing, what’s shrinking, and what’s left CLOUD + OFFLINE • Your entries sync to the cloud across devices • Keep using the app offline — changes catch up when you’re back • Sign in to protect your data, or start as a guest and upgrade later BUILT FOR REAL LIFE • Multiple currencies • Light, Dark, or System appearance • Separate ledgers for everyday life, work, trips, shared money, and fresh starts Whether you just want a quick expense log or a full money system — budgets, goals, debts, and insights — Ledger Cloud keeps it simple and always in sync. Download Ledger Cloud and take control of your money today.

Screenshots

Money4 screens
Ledger Cloud4 screens

Verdict

The call

The clearest difference is ads: Money at none against Ledger Cloud's shown. Money also leads on device support (4 vs 2). Ledger Cloud's advantage is update cadence (every 3 days vs monthly). On price, in-app purchases and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Money sells 3 in-app purchases, starting at $6.99 per month and Ledger Cloud sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Money ships an update monthly, Ledger Cloud every 3 days. The most recent releases landed on November 2, 2026 and November 4, 2026 respectively.

Scorecard3 real differences · 7 level
Money versus Ledger Cloud: the parameters behind the verdict, then further details
ParameterMoneyLedger Cloud
PriceFreeFree
Rating4.5 (451 ratings) — better—
Positive reviews53.2% of reviews—
Number of ratings451 — better—
Update frequencyMonthlyEvery 3 days — better
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFreemium—
DevicesiPhone, iPad, iPod, Mac — betteriPhone, iPad
Requires iOS15.6 — better16.6
Further details — not scored
Size55 MB20 MB
Age rating4+4+
DeveloperJumsoftHafiz Zain ul Abideen

Bugs and requests

Money

Reported bugs

3 issues
  • Frequent app crashes
  • Incorrect transaction import and balance issues
  • Syncing problems between devices

Requested features

4 requests
  • Dark mode option
  • Improved transaction categorization and rules
  • Ability to share accounts with family members
  • Better investment tracking and portfolio management

Ledger Cloud

Not enough reviews yet to summarise bugs or requests.

In-app purchases

3 purchases

Money

Subscriptions2
  • Direct Downloads Monthly1 Month trial$6.991 Month
  • Direct Downloads Yearly1 Month trial$59.991 Year
One-time1
  • Money Standard$99.99
1 purchases

Ledger Cloud

One-time1
  • Unlimited Subscription$4.99

Questions

Is Money free?
Money is free to download, with in-app purchases available.
Is Ledger Cloud free?
Ledger Cloud is free to download, with in-app purchases available.
Do Money or Ledger Cloud have ads?
Ledger Cloud shows ads; Money does not.
Which is updated more often, Money or Ledger Cloud?
Money ships an update monthly, and Ledger Cloud every 3 days. Most recently, Money was updated on November 2, 2026 and Ledger Cloud on November 4, 2026.

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