Ldgr vs Vimoni

Most budgeting apps are built for looking back: connect your bank, and every purchase lands in a feed you review after the money is already gone. Ldgr is built for the moment that actually matters — right before you spend. There are no bank connections and no imports, on purpose. You add every purchase yourself, watch the number drop, and always know what's left. Staying close to your spending is the point. HOW IT WORKS • Make a budget for anything — groceries, date nights, coffee — with a spending limit that resets daily, weekly, monthly, or yearly. • Add each purchase in seconds: an amount, a date, a quick memo. • Watch what's left. The big number on every screen is the one that matters, and progress bars shift from green to orange to red as you near a limit. • Look back when it resets. Each period starts fresh, and past periods stay in view so you can adjust for next time. ON YOUR HOME SCREEN Add a widget for a single budget or a summary across all of them, and see what's left without opening the app. Tap it to jump straight to adding a purchase — the number that matters, one glance away. SHARE WITH ANYONE Share a budget with your partner, family, or roommates through iCloud. Everyone sees every purchase, anyone can add one, and each purchase shows who made it — so you stay accountable together. WHY I MADE IT At work, every budget has its own virtual card, and choosing a card at each purchase keeps you constantly aware of exactly what's left. I wanted that same discipline at home, privately — but no bank offers it, and every budgeting app wants to connect to your accounts and do the thinking for you. That's the opposite of what makes it work. So I built Ldgr: the same awareness, by hand, kept entirely in your own iCloud. PRIVATE BY DESIGN Your budget lives in your own iCloud account and syncs only between you and the people you invite. Only they and you can ever see it — not even me. No analytics, no ads, no tracking. Ldgr is free. Budget by hand, and stay present with your money.

Track your income and expenses in one place. Add transactions quickly, manage multiple wallets, and stay on top of your budget. KEY FEATURES • Income & expenses — Record spending and earnings with category, date, and notes. • Voice input — Say "Spent fifty thousand on lunch" or type a number; the app understands words, digits, and mixed formats in multiple languages. • Receipt scan — Take a photo of a bank slip or receipt; the app reads amount, currency, date, and message so you can add the transaction in one tap. Works with popular Vietnamese banks (e.g. Vietcombank, Techcombank, BIDV, VCB Digibank). • Split transactions — Divide one payment across multiple categories (e.g. groceries + household). • Transfer between wallets — Move money between your accounts and track it accurately. • Multiple wallets — Organise your money by account or purpose. • Budgets — Set limits by category and see how much you've spent. • Savings goals — Define targets and track progress. • Debt tracker — Record who owes you money and what you owe others. • Recurring transactions — Schedule regular income or expenses automatically. • Reminders — Get notified for upcoming due amounts. • Advanced reports — Bar and pie charts broken down by category, date range, and wallet. • Comparison reports — Compare spending month-over-month or period-over-period at a glance. • Net worth — See your total assets minus liabilities in one dashboard. • Calendar view — Browse transactions day by day on a monthly calendar. • CSV import — Import transactions from a spreadsheet in seconds. • Multiple currencies — Support for VND, USD, EUR and more; rates are cached for offline use. • Privacy blur — Lock the app with Face ID, fingerprint, or PIN; sensitive amounts are blurred until unlocked. • Cloud sync — Sign in with Google or email to sync across all your devices. • Spending Insights — automatically detects unusual expenses, highlights categories where you overspend, and forecasts your total spending for the coming month based on your habits. • Envelope Budgeting — allocate 100% of your income into category "envelopes" before the month begins (zero-based budgeting). See at a glance how much is left in each envelope and get warned before you overspend. • Tax Report — mark any expense as tax-deductible and choose a category (Business, Medical, Charity, Education, Other). At year-end, view a full summary grouped by category and month, then export to CSV or PDF for your accountant. • Clean, simple design — Focus on your finances without clutter. Whether you're tracking daily coffee or keeping an eye on the budget, this app helps you stay in control of your money. Download now and start managing your finances with less effort.