Beancount vs Outly

Your ledger is a plain-text file. You own it for good. Beancount brings serious double-entry bookkeeping to your phone without locking your financial history inside a proprietary database. Record a purchase in seconds, inspect the underlying Beancount file, and keep a Git history of every change. FINANCIAL CLARITY • See net worth, assets, liabilities, income, and expenses • Compare spending across months, quarters, and years • Explore cash flow, profit trends, budgets, merchants, and account reports YOUR BOOKS, YOUR FORMAT • Keep real Beancount-syntax text files • Browse commits, authors, and line-by-line changes • Edit the ledger source directly and take your files with you BUILT FOR REAL BOOKS • Full double-entry transactions, splits, transfers, and reimbursements • Multiple ledgers, currencies, investments, crypto, and property • Receipt capture, payee and account suggestions, search, and filters Beancount is free, with no ads and no in-app purchases.

Spend Check is a private, beautifully focused way to know where your money goes. No bank connection. No ads. No subscription. No account required. Every feature is free, and your financial data stays under your control. TRACK IN SECONDS • Log expenses and income with a fast, autoformatting amount field • Scan a receipt to fill in its merchant and total • Get smart category suggestions that learn from your entries • Attach receipt photos to transactions UNDERSTAND YOUR SPENDING • Explore weekly and monthly charts for expenses, income, or both • Tap any day for an exact total • See category, needs-versus-wants, and month-over-month breakdowns • Read the last two weeks at a glance with dot-matrix activity charts STAY ON BUDGET • Set one monthly spending ceiling with a daily pace indicator • Add per-category limits with clear progress and gentle warnings • Apply the 50/30/20 rule to your actual income SAVE FOR SOMETHING • Create savings goals with targets, deadlines, and progress rings • Move money in and out while keeping a visible transfer history • See the monthly amount needed to hit each deadline KEEP UP WITH RECURRING PAYMENTS • Track recurring bills and income from daily to yearly • Choose from popular services and plan tiers, or add anything yourself • Due entries are logged when you open the app PRIVATE BY DEFAULT • Works fully offline without an account • Optional Face ID app lock • Optional backup to your private iCloud container • CSV import and export whenever you want Spend Check is free because budgeting should not cost money. If it helps, there is an optional tip jar — every feature works exactly the same either way.