MoDebt vs Ledge Budget & Expense Tracker

MoDebt is a simple way to track who owes you money and who you owe.

Ledge is a simple, privacy-first budget tracker that helps you understand and control your money. TRACK EVERY TRANSACTION Log income and expenses in seconds. Search, filter, and browse your full transaction history. Add notes and categories to stay organised. SMART BUDGETING Set monthly budgets by category and get instant alerts when you're approaching or exceeding your limits. Navigate through past months to review your spending history. SAVINGS GOALS Create savings goals with a target amount and deadline. Track your progress with a visual bar and make contributions directly from the app. RECURRING TRANSACTIONS Never miss a bill. Set up recurring expenses and income — daily, weekly, monthly, or yearly — and mark them paid with a single tap. ANALYTICS See where your money goes with spending breakdowns by category and a 6-month income vs. expense chart. PRIVACY BY DESIGN All your financial data stays on your device. Nothing is sent to any server. No account required, no sign-up, no ads. SECURE ACCESS Protect your data with Face ID, Touch ID, or your device passcode. EXPORT YOUR DATA Export all transactions to a CSV file to use in Excel or any spreadsheet app. CUSTOMISE YOUR EXPERIENCE Choose your currency, set a light or dark theme, and create your own spending categories with custom colours and icons.