BeanLedger vs MomBooks

Bring everyday bookkeeping and asset tracking together. Record income and expenses, see your account balances and net worth, and review investment gains and losses by month or year. BeanLedger supports multiple currencies, with no ads or BeanLedger account required. [Everyday Income & Expenses] Quickly record spending, income, transfers, and refunds. Review transactions in a calendar, explore categories and events, and filter records to find the details you need. Double-entry bookkeeping connects each transaction to your accounts for a consistent view of your money. [Your Assets in One Place] Keep track of assets, debts, and net worth across accounts. Follow balance trends, compare income and expenses, and explore how money moves with the asset Sankey diagram. Create a Financial Recap to review and share a month or year. [Investment Returns] Record investment income and expenses alongside your everyday finances. Review the resulting gains, losses, and return rates by month or year, with a breakdown by investment account. Returns are based on your recorded transactions, rather than live market prices. [Multiple Currencies] Manage accounts in different currencies and view your finances in your base currency. Exchange-rate lookup includes built-in fallback rates when current rates are unavailable. [Private Records, Easy Access] Your financial records stay on your devices and sync through your iCloud; BeanLedger does not store them on its own server. Automatic backups help you restore your records. Add transactions from Apple Watch, use widgets on supported watch faces, and access balances and quick entry from Home Screen and Lock Screen widgets, Control Center, and Siri shortcuts. [Plan & Explore] Set up recurring transaction plans, category budgets, and account, net worth, or debt goals with optional reminders. Use transaction locations to revisit spending on a map. Export a Beancount-compatible ledger for further analysis. With BeanLedger Pro, create custom metrics from income, expenses, and transaction categories and analyze any date range. --- [BeanLedger Pro] Choose a one-time purchase for lifetime access to premium features, or a subscription for access while it remains active. No ads with either option. If you choose to subscribe to the membership, your subscription will automatically renew through your iTunes account after purchase confirmation and payment. Your Apple iTunes account will be charged within 24 hours before the expiration of the current period. Upon successful payment, the subscription period will extend for another billing cycle. To cancel the renewal, please manually disable auto-renewal in your iTunes or Apple account settings at least 24 hours before the current subscription period ends. Cancellation of this service is at your own discretion. If you choose not to cancel, the renewal service for the next billing cycle will be activated automatically. Service and Subscription Terms: https://my.feishu.cn/wiki/INLGw3WtQiNyO1kOPWXcG2WEnQc Privacy Policy: https://my.feishu.cn/wiki/RCTPwbGY6iIpdmkP4AUcWpFYn0b Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

MomBooks brings real double-entry bookkeeping to iPhone, iPad, and Mac — Plain Text Accounting (PTA), compatible with ledger/hledger/beancount syntax. Every transaction balances to zero, GAAP-oriented reports show where you actually stand, and your data stays on your device unless you choose otherwise. No spreadsheets. No subscription just to see your own numbers. WHO IT'S FOR Generate a starter Chart of Accounts in one tap, tailored to how you actually use money: • Personal Finance — checking, savings, credit cards, and the household categories you'd expect • Rental Property / Landlord — tenant deposits, mortgage interest, depreciation, and rental-specific income & expenses • Small Business — receivables, payables, inventory, owner's equity, and operating expense categories Profiles combine, too — a landlord who also tracks household finances can generate both at once. THE LEDGER CORE • Double-entry register with the Rule of Zero strictly enforced, per commodity • Manual entry via a guided split form or a raw PTA command-line editor with live syntax highlighting • Reusable split templates for recurring transactions — record a paycheck's gross pay, taxes, deductions, and net deposit without re-picking the same accounts every payday • Multi-currency and commodity support, with price directives for exchange rates and lot pricing • Strict Decimal arithmetic throughout — money is never floating-point, anywhere IMPORT, EXPORT, AND RECONCILE • Import plain-text PTA ledgers, OFX/QFX bank statements, and CSV exports, with a reconciliation queue that flags duplicates before anything is committed • Native file picker on every platform — no copy-pasting required • Bulk-reclassify a batch of freshly-imported transactions in one pass, right from the Register • Balance any account against a real bank statement — check off what cleared and watch the difference converge to zero • Export to .ledger or .beancount plain text, with optional two-way file sync • CPA Extract: General Ledger, Trial Balance, Income Statement, and Balance Sheet as CSV or PDF — formats an actual accountant can use REPORTING, BUDGETS, AND FISCAL YEARS • Balance Sheet, Income Statement, Cash Flow, Trial Balance, and a raw Journal view • Configurable fiscal year start — YTD and QTD figures respect it everywhere, not just the calendar year • Zero-based or rollover envelope budgeting against actual spend A REAL AUDIT TRAIL Every create, edit, and delete on a transaction or account is logged: when, a plain-language summary, field-level before/after values, and which device made the change — resolved automatically across your iPhone, iPad, and Mac. Export the trail as CSV or PDF for outside review. SECURITY & PRIVACY • Face ID / Touch ID / Optic ID and PIN app lock, with auto-lock and app-switcher privacy masking • Local-first, zero exfiltration — ledger data never leaves the device to third-party analytics • Medical billing entries use de-identified account tokens, keeping PHI out of your ledger text MULTIPLATFORM BY DESIGN Adaptive layout on every screen size, native macOS menu commands and keyboard shortcuts for fast entry, Siri & Shortcuts support, and optional iCloud sync across your own devices. FREE, WITH OPTIONAL PRO The base app is a fully functional ledger — accounts, transactions, splits, the Chart of Accounts generator, plain-text import/export, account reconciliation, the audit trail, and every security feature are free, no account required. Pro adds OFX/QFX statement import, visual CSV mapping, two-way Beancount/HLedger sync, the full report suite (Balance Sheet, P&L, Cash Flow) plus CPA/Auditor CSV & PDF extracts, envelope budgeting, multi-currency tracking, and iCloud sync. MomBooks is a record-keeping tool, not a source of financial, tax, or legal advice. Verify calculations and statements with a licensed CPA or qualified professional. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/