Comparison

Pay Chart vs Acorn Ledger

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

Head to head
About

Pay Chart

Features
Read full description

This household budgeting app keeps track of your daily expenses. The input screen includes a graph showing the ratio of your expenses every month, so you can tell at a glance when you're spending too much. - Divides up your expenses by category. - Can sync data with multiple devices, including iCloud, iPhone, and iPad. (Syncing may take time.) - Enter expenses from your Apple Watch. (Syncing with the parent device may take time.) - CSV file export lets you open your data in Numbers and other spreadsheet applications.

About

Acorn Ledger

Features
Read full description

A quiet garden for your spending diary. Acorn Ledger is a budgeting app that doesn't hurry you. Jot down today's small spends and small earnings, and quietly, in a corner of the screen, a garden grows. No savings score, no red warnings — just the gentle pleasure of writing things down. What you can do, for free — The garden Every entry gathers an acorn, and at its own rhythm a tiny sprout appears. Nothing wilts, nothing compares you, nothing pushes. A small landscape you simply look at — "how was today?" — A monthly look back Ā· classic kakeibo (new) See your month's spending sorted into four soft streams — needs, wants, culture, and the unexpected — and look back by answering four quiet questions. No scores, no rush, just a moment for yourself. — Write with how you felt Tag a spend with a mood (calm, delighted, a little regret), a memo, a photo. And, quite separately, a free diary for your day — mood, weather, a photo or two. Empty days are fine. With Pro, whenever you like Snap a receipt and AI fills in the amount, date and items (Apple Intelligence on-device where supported, otherwise Google Gemini — either way, nothing is linked to your identity). Type "coffee yesterday, 5" in natural language. A weekly recap and a gentle category insight arrive on their own. Scan documents into an A4 PDF, mix several currencies while travelling, share a small kakeibo between two of you over iCloud, and lock it all with Face ID. The fairy may even offer you a line. — Privacy first Your budgeting data lives on this device. Turn on iCloud sync and it goes only to your own Apple ID's encrypted iCloud — never to our servers. No ad IDs, no tracking. — Gentle by design Quiet reminders like "a line for today?" — and you can turn them off. No score grind. The backdrop softens with today's weather, and now and then a butterfly drifts across. Pricing (auto-renewing subscription) Pro Monthly — 7-day free trial, renews monthly Pro Yearly — better value than monthly, renews yearly Prices vary by region; you'll see your local price at purchase. Free for everyone: unlimited entries, categories, tags, the acorn garden, mood and photo diary, the monthly look back, statistics. Pro adds AI features, receipt OCR, PDF scanner, multi-currency, and iCloud sync. Auto-renewal terms Payment is charged to your Apple ID upon purchase confirmation. The subscription renews at the same price unless cancelled at least 24 hours before the renewal date. Manage or cancel in Settings → Apple ID → Subscriptions. Under 14 is blocked from profile entry per Korean PIPA guardian-consent requirement; the rest of the app remains fully usable. Terms of Use: https://github.com/windgksh/ibouBudget-policies/blob/main/terms.md Privacy Policy: https://github.com/windgksh/ibouBudget-policies/blob/main/privacy.md Support: support@ibou.ai

Screenshots

Pay Chart4 screens
Acorn Ledger4 screens

Verdict

The call

The clearest difference is ads: Acorn Ledger at none against Pay Chart's shown. Acorn Ledger also leads on update cadence (weekly vs every 4 months) and iOS requirement (17.0 vs 26.0). Pay Chart's advantage is device support (3 vs 1). On price and in-app purchases there is nothing between them.

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

CostPrice Ā· In-app purchases Ā· Ads Ā· Monetization

Both are free to download. Pay Chart sells 1 one-off in-app purchase and Acorn Ledger sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Pay Chart ships an update every 4 months, Acorn Ledger weekly. The most recent releases landed on September 17, 2026 and September 21, 2026 respectively.

Scorecard4 real differences Ā· 2 level
Pay Chart versus Acorn Ledger: the parameters behind the verdict, then further details
ParameterPay ChartAcorn Ledger
PriceFreeFree
Update frequencyEvery 4 monthsWeekly — better
AdsYesNo — better
In-app purchasesYesYes
DevicesiPhone, iPad, Apple Watch — betteriPhone
Requires iOS26.017.0 — better
Further details — not scored
Size18 MB141 MB
Age rating4+4+
DeveloperNUTRACTORIbouAI

In-app purchases

1 purchases

Pay Chart

One-time1
  • Remove Ad$4.99
2 purchases

Acorn Ledger

Subscriptions2
  • Pro Monthly7 Days trial$2.991 Month
  • Pro Yearly$19.991 Year

Questions

Is Pay Chart free?
Pay Chart is free to download, with in-app purchases available.
Is Acorn Ledger free?
Acorn Ledger is free to download, with in-app purchases available.
Do Pay Chart or Acorn Ledger have ads?
Pay Chart shows ads; Acorn Ledger does not.
Which is updated more often, Pay Chart or Acorn Ledger?
Pay Chart ships an update every 4 months, and Acorn Ledger weekly. Most recently, Pay Chart was updated on September 17, 2026 and Acorn Ledger on September 21, 2026.

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