Finance Tracker vs Leaf & Ledger

ByJo is a smarter alternative to spreadsheets for managing your personal finances. Whether you're building wealth, tracking spending, or working toward financial goals, ByJo gives you a clear, beautiful picture of where you stand — completely privately. YOUR MONEY, YOUR RULES Your data stays on your devices and syncs only through your own private iCloud. No sign-up, no ByJo servers, no sharing. What's yours stays yours. TRACK EVERYTHING YOU OWN Add 40+ asset types — cash, bank accounts, crypto, real estate, stocks, ETFs, vehicles, and more. ByJo calculates your real net worth across all of them in one place. SMART SPENDING INSIGHTS • Spendmeter — compare today to yesterday, this week to last week • Monthly Summary — income vs. expenses at a glance • Top Expenses — know exactly where money goes • Savings Rate — measure how much of your income you keep • Asset Allocation — visualise your portfolio mix • Expense Breakdown & Trends — widgets for spending mix, net worth history, and savings rate over time WALLET AUTO-LOG Set up a Shortcuts automation so every card tap can land in ByJo. Assets and categories are matched or created for you. OPERATION SPLITS & CATEGORY BUDGETS Split a single transaction across multiple categories. Set a monthly budget per category and keep spending in check. RECURRING OPERATIONS Set up daily, weekly, monthly, or yearly recurring income and expenses. ByJo reminds you when payments are due and keeps a full history so nothing slips through the cracks. FINANCIAL GOALS Set a target amount for any asset, pick a due date, and watch your progress. Pin a goal to keep it front and center. Celebrate milestones — completed goals stay in your history forever. FUND TRANSFERS Move money between assets with a single swap. Both sides of the transfer are linked so your totals always add up. EXPORT & IMPORT Back up everything as JSON, or bring operations in from CSV. HOME SCREEN & LOCK SCREEN WIDGETS Net worth, savings rate, expense breakdown, spending trends, recurring payments, goals progress, and more — right on your home screen without even opening the app. SIRI & SHORTCUTS Log operations, transfers, and Wallet purchases hands-free with App Intents. Works with Siri and the Shortcuts app. CUSTOMISABLE HOME Rearrange and hide home widgets to match how you think about money. Put what matters most at the top. 50+ CURRENCIES Pick your preferred currency and see all values in one consistent, clean view. Start with a 7-day free trial on the yearly plan, or choose the weekly plan or a one-time lifetime purchase. Subscriptions renew automatically (weekly or yearly) unless cancelled at least 24 hours before the end of the current period. Cancel anytime in your Apple Account settings. Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy policy: https://by-jo.com/privacy

Leaf & Ledger Custom budgets, grounded growth. Leaf & Ledger is a flexible budgeting app designed for people who need more than rigid templates. Whether you’re planning an event, managing a creative project, running a small business, or organizing personal finances, Leaf & Ledger adapts to your workflow instead of forcing you into someone else’s system. No spreadsheets. No guesswork. No stress. Budget your way Create fully custom budgets with fields that match your real-life needs. Add, remove, or rename categories for expenses, funding sources, and line items so your budget reflects how you actually operate. See the full picture instantly Leaf & Ledger does the math for you in real time. As you input numbers, totals, balances, and remaining funds update automatically—giving you clarity and confidence at every step. Visual progress that keeps you grounded Your budget comes to life through a simple, calming visual system inspired by growth and balance. As your budget fills out, you can literally see your financial plan take shape—helping you stay focused, intentional, and in control. Built for both personal & professional use Leaf & Ledger is ideal for: • Event planners and coordinators • Creatives and freelancers • Small business owners • Project managers • Individuals who want a clearer, calmer way to budget Use it for one-off projects or ongoing planning—your structure, your rules. Offline-first & private Your data stays on your device. Leaf & Ledger works without a network connection, so you can plan anytime, anywhere, with peace of mind. Designed with intention Built with a clean, dark-mode–first interface and a focus on accessibility, Leaf & Ledger is easy on the eyes and simple to navigate—so you can spend less time managing tools and more time making decisions. Leaf & Ledger helps you grow what matters—one intentional budget at a time. Download Leaf & Ledger and take the responsibility out of budgeting, without giving up control.