ToSpend vs Ledger

ToSpend gives you a clear overview of the expenses that actually matter, so you always know what is coming up and what you have already paid. FEATURES: • Recurring expenses – Track all your monthly and yearly costs in one place. • One-time expenses – Plan ahead for larger purchases. • Countdown to due date – See how many days are left until the next expense is due. • Paid archive – Browse a full history of past expenses, grouped by month and year. • Someday list – Save potential purchases without setting a date. • Categories – Organize expenses by category to keep things structured. • Reminders – Get notified before expenses are due. • No login – Download ToSpend and just get started. It can be this simple. • iCloud – All your data stays on your device and is backed up in your iCloud. - - - - Privacy Policy (https://www.tospend-app.com/app/data-privacy)  Terms Of Use (https://www.apple.com/legal/internet-services/itunes/dev/stdeula/)

Ledger is the AI money tracker that tells you what you can actually spend today. Forward your bank's transaction-alert emails and Ledger reads them automatically — no bank login, no open-banking connection, ever. Every transaction is categorized the moment it lands, so your spending stays up to date without spreadsheets. WHAT YOU GET • Safe-to-spend, done for you. Ledger takes your budget, subtracts what you've already spent and the bills you've reserved, and shows a single daily number you can trust. • Recurring bills. Ledger spots your repeating payments, reserves money for them, and reminds you before they're due. • Ask your money anything. "How much did I spend on food this month?" Get clear answers powered by AI. • Voice and manual entry. Log a purchase in seconds. • Cycles that match your life. Weekly, monthly, or your own pay cycle. • Savings and investments stay separate, so they never inflate your spending. PRIVATE BY DESIGN Ledger only reads the transaction emails you choose to forward. We never ask for or store your bank login. Export your data to CSV or delete your account any time, right from the app. LEDGER PRO Upgrade for unlimited AI questions and more. $3.99/month or $39.99/year. Ledger Pro is an auto-renewing subscription. Payment is charged to your Apple ID at confirmation of purchase. It renews automatically unless cancelled at least 24 hours before the end of the current period; manage or cancel anytime in your App Store account settings. Terms of Use (EULA): https://ledger.domoney.app/terms Privacy Policy: https://ledger.domoney.app/privacy