guide.capital vs Cliff Journal
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
guide.capital
Design your personalized investment solution with expert knowledge and AI. Build modular portfolios, evaluate securities, and gain a complete overview of your assets. Offers unique investment components for loss minimization and stable performance.
- AI-driven portfolio construction
- Personalized asset allocation
- Modular investment solution design
- Model portfolios from known providers
- Independent portfolio check
- Security evaluation via photo
- Sustainability ratings and scoring
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SAVE TIME AND USE THE KNOWLEDGE OF EXPERTS AND ARTIFICIAL INTELLIGENCE It can be very time-consuming to construct the portfolio, determine the asset allocation, and find the right investment product and dealing with the markets on a daily basis - even more so when it's personalised. With guide[dot]capital you design your investment solution - simple, transparent and tailored to your needs. SIMPLE, PROFESSIONAL AND ALWAYS UP-TO-DATE So far, investors have looked after their assets themselves, hired an advisory or delegated their financial affairs in the form of an asset management mandate. Thanks to our technology, we can asset management easy for you. The unique open platform with model portfolios from well-known providers lets you build your desired investment solution modularly, taking your preferences and investment focus into account. FIND UNIQUE INVESTMENT SOLUTIONS Select model portfolios with a focus on sustainability, digitization, ETFs or individual stocks, from actively managed to passive or rule-based building blocks. We also offer unique investment components that carry out rule-based reallocations with the aim of minimizing losses and achieving a stable performance. By weighting the building blocks, you define your risk profile and start following the model portfolios. Get the rebalancing list with one click. The availability of the building blocks depends on the user of the app. We will continuously expand the range of building blocks. INDEPENDENT PORTFOLIO-CHECK Quickly and easily evaluate your portfolio securities according to various criteria by well-known rating agencies and financial institutions as a basis for better investment decisions and a more sustainable investment strategy. Advantages of our app are: - Consolidate several portfolios - Evaluate your securities by simply photographing your securities account statement - Sustainability ratings, fundamentals, technical scoring of renowned institutes - Global coverage of equities, bonds, funds, commodities, structured products - Alarm functionality for changes in the evaluation - Complete overview of your portfolio by currency, asset class, sustainability, etc. - Second opinion from third parties Legal notice: Depending on your residence, you will be granted full, limited or no access to the contents of this app. Our terms of use can be found under: Privacy Policy: http://www.guide.capital/legal/privacypolicy_en.htm Terms and Conditions: http://www.guide.capital/legal/termsandcondition_en.htm.htm
Cliff Journal
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Record transactions, track accounts, and generate financial statements with double-entry bookkeeping. Cliff Journal is for freelancers, small business owners, and anyone who knows a debit from a credit. Private by design All data stays on your device. No account required. No ads. No subscriptions — buy once, use forever. Complete Bookkeeping Five accounting elements, a hierarchical chart of accounts, and a balanced debit and credit on every entry. Correct a mistake with a reversing entry so the audit trail stays intact. Quick Fill Save the accounts you pay from. When an entry is short on the credit side, tap a chip to fill the remainder. Mark one account as primary. The equals button fills an empty credit line with the amount still needed. Financial Statements Generate a Trial Balance, Income Statement, Balance Sheet, Statement of Owner's Equity, and Cash Flow Statement. Periods follow the owner's calendar: daily, weekly, monthly, quarterly, or yearly. Multiple Owners Keep separate books for different businesses. Each owner has their own database, currency, fiscal year, and accounting cycles. Templates and Reminders Save a recurring transaction as a template. Schedule a reminder so you record it on time. Home Screen Widgets See expenses, income, cash flow, or an account balance without opening the app. Small, medium, and large sizes. Periods follow your accounting calendar. Hide amounts when you want the numbers kept private. Export and Import Back up as CSV. Export a snapshot or a periodic archive, and import it on another device. Feedback welcome Any suggestions or feedback are highly appreciated.
Screenshots
Verdict
The clearest difference is price: guide.capital at Free against Cliff Journal's $9.99. Cliff Journal's advantage is in-app purchases (none vs 6) and update cadence (every 2 weeks vs every 2 months). On ads, device support 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
guide.capital is free to download; Cliff Journal costs $9.99 up front. guide.capital sells 6 in-app purchases, starting at $12.99 per month. Cliff Journal asks for nothing beyond the download.
guide.capital ships an update every 2 months, Cliff Journal every 2 weeks. The most recent releases landed on October 29, 2026 and October 27, 2026 respectively.
| Parameter | guide.capital | Cliff Journal |
|---|---|---|
| Price | Free — better | $9.99 |
| Rating | 5.0 (1 ratings) — better | — |
| Number of ratings | 1 — better | — |
| Update frequency | Every 2 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Freemium | — |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.6 — better | 16.6 |
| Further details — not scored | ||
| Size | 72 MB | 9 MB |
| Age rating | 4+ | 4+ |
| Developer | efficient.capital AG | 林淮 刘 |
In-app purchases
guide.capital
- S&P ESG (monthly)7 Days trial$12.991 Month
- SIX Consolidation (monthly)7 Days trial$13.991 Month
- theScreener Rating (monthly)7 Days trial$16.991 Month
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- S&P ESG (yearly)7 Days trial$77.991 Year
- theScreener Rating (yearly)7 Days trial$106.991 Year
- SIX Consolidation (yearly)7 Days trial$139.991 Year
Cliff Journal
No in-app purchases








