Ldgr vs Vimoni

Most budgeting apps want you to connect your bank. Every purchase lands in a feed you look through later, after the money's already gone. Ldgr is built for the moment right before you spend. There's no bank to connect and nothing to import, on purpose. You add every purchase yourself and watch the number drop, so you always know what's left. HOW IT WORKS • Make a budget for anything (groceries, date nights, coffee) with a spending limit that resets daily, weekly, monthly, or yearly. • Add a purchase in a few seconds. An amount, a date, and a memo if you want one. • Watch what's left. The big number on every screen is what's left to spend, and the bars go from green to orange to red as you get close to the limit. • Look back when it resets. Each period starts fresh, and you can page back through the old ones to see how you did. ON YOUR HOME SCREEN Add a widget for one budget or a summary of all of them, and see what's left without opening the app. Tap it and you're already adding a purchase. SHARE A BUDGET Share a budget with your partner, family, or roommates through iCloud. Anyone can add a purchase, and each one shows who added it. WHY I MADE IT At my day job, every spending budget gets its own virtual card. Each purchase still needs a memo from you, and that little moment keeps you in touch with how much is left in each one. No bank I could find offers that for personal budgets, and every budgeting app wants you to connect your bank so it can organize everything for you. That's the opposite of what makes the system work. So I built Ldgr for my wife, and once it had widgets and notifications, I put it in the store. PRIVATE BY DESIGN Your budgets live in your own iCloud account and only sync between you and the people you invite. Nobody else can see them (not even me). No analytics, no ads, and no tracking. Ldgr is free.

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.