Per Diem vs LedgerView

Per Diem is a personal finance and FIRE planning app for households that want one place to understand spending, savings, and long-term retirement tradeoffs. A paid subscription is required to use Per Diem. Subscription access includes live account sync, budgeting tools, FIRE planning, and Ask AI. With a subscription, you can: - Connect bank and brokerage accounts - Track transactions, budgets, income, assets, and net worth in one place - Run FIRE projections that update as your finances change - Model goals and major life tradeoffs - Use Ask AI to explore your finances with your permission Ask AI is optional. If you choose to use it, Per Diem will ask for permission before sending your messages and relevant financial context to the selected third-party AI provider. Per Diem is built for people who want clarity without stitching together a budgeting app, an investment tracker, and a spreadsheet. Use Per Diem to: - See how spending decisions affect your financial independence timeline - Review account balances, transactions, budgets, and income together - Compare future scenarios like career changes, savings shifts, and major goals - Understand the tradeoffs behind the next financial decision Terms of use: https://perdiem.app/terms-of-service

LedgerView is a local-first personal finance and net worth tracker built for people who want clarity without handing their financial life to another service. The Mac app is the source of truth for setup, CSV imports, manual balances, holdings, reconciliation, exports, and privacy settings. The iPhone app is a fast companion dashboard for checking net worth, accounts, investments, allocation, history, goals, and data freshness. LedgerView is not a bank aggregator and does not require linking financial accounts. It is designed for manual and CSV-first workflows, explicit data provenance, visible freshness, and exportability. Key features: - Private, local-first net worth tracking - Mac-first account setup, import, reconciliation, and export workflows - iPhone companion dashboard for quick review - Assets, liabilities, holdings, history, allocation, goals, and data health - Explicit source and freshness labels for important values - CSV export and manual data control - App lock and privacy-focused settings LedgerView helps you replace fragile spreadsheets with a calm, durable personal balance sheet that stays under your control.