BeanFlow vs Maturity Ledger

BeanFlow is a personal finance and accounting app that combines simple everyday tracking with the structure of Beancount. Whether you only want to record daily income and expenses or already use double-entry accounting to manage accounts and assets, BeanFlow gives you a flexible way to organize your financial records. Simple Mode and Beancount Mode now both support OCR import from screenshots and videos, making it easier to turn large amounts of transaction history into usable records without entering everything manually. Import transactions from screenshots and videos Have a folder full of payment screenshots? Need to capture transactions from a recorded statement or scrolling transaction list? BeanFlow can use OCR to recognize transaction information from screenshots and videos and prepare it for import. This is especially useful when you need to process historical transactions, long lists, or many records at once. OCR import works in both Simple Mode and Beancount Mode, so you can use the same faster capture workflow regardless of how you prefer to manage your finances. Track everyday money Coffee, lunch, subscriptions, shopping, bills, or a new source of income — every transaction can become part of your financial history. Record income and expenses over time and build a clearer picture of where your money goes and how your finances change. Simple Mode for everyday tracking Managing your money shouldn’t require learning accounting before recording your first expense. Simple Mode provides an approachable workflow for everyday income and expense tracking, without forcing unnecessary accounting concepts into every transaction. If you just want a clean personal ledger, you can keep things simple. Beancount Mode when you need more structure For users who want greater control over their records, Beancount Mode provides a more structured accounting workflow. Organize transactions through accounts and use double-entry accounting to maintain clearer records of income, expenses, assets, and other financial activity. Built around Beancount Already using Beancount? BeanFlow supports .bean files, allowing you to continue working with a familiar and portable data format instead of moving your financial history into a completely closed system. Import and export .bean files Your financial records should remain yours. BeanFlow supports importing and exporting Beancount files, making it easier to back up your ledger, migrate your data, and continue using it as part of your existing Beancount workflow. Offline-first and portable BeanFlow is designed with local use in mind, so your ledger doesn’t need to depend on a constant internet connection. Open data formats and portable files help you stay in control of your financial records. Simple for everyday use. Structured when you need it. Recording a cup of coffee shouldn’t feel like completing an accounting assignment. At the same time, your finance app shouldn’t become limiting when you want to organize accounts, assets, and more detailed records. From a single payment screenshot to years of financial history, BeanFlow helps you capture, organize, and keep control of your data.

Maturity Ledger helps you manage fixed-term assets, calculate interest, and stay on top of maturity dates. It supports term deposits, large-denomination CDs, savings bonds, structured deposits, and more. Keep principal, interest rates, and maturity dates in one place. Automatically calculate simple interest, compound interest, and annualized returns, review upcoming cash flows, and receive reminders before your assets mature. No bank connection is required. You can keep track of personal and family deposits while retaining full control of your data. 【Manage Every Deposit in One Place】 • Record principal, interest rate, interest start date, maturity date, interest payout schedule, financial institution, currency, holder, and more. • Import photos or PDFs of deposit certificates. Maturity Ledger processes them entirely on your device and helps fill in the details, reducing manual entry. 【Understand Interest and Actual Returns】 • Calculate simple interest, compound interest, and periodic interest payments. View daily accrued interest, projected cash flows, and interest at maturity. • Additional benefits such as interest bonuses, cashback, reward points, and estimated gift values can also be included. Compare the actual performance of different assets using overall annualized return and XIRR. 【Get Reminded Before Maturity】 • Use the maturity calendar and local notifications to keep track of assets approaching maturity. • After an asset matures, record the maturity outcome, confirm that the funds have been received, or quickly create a renewal based on the original entry. This gives every asset a complete history. 【Plan Upcoming Cash Flows】 • The dashboard shows current principal, total accrued interest, upcoming maturities, and currency allocation. • Reports provide a clear view of upcoming cash flows, projected and actual returns, term distribution, sources of return, and maturity outcomes, helping you plan ahead. 【Manage Family and Multi-Currency Assets】 • Organize family deposits by holder, record assets in different currencies, and convert them using reference exchange rates. • View the overall distribution of personal and family deposits in a single ledger. 【Privacy First — Your Data Stays Under Your Control】 • No account registration required • No connection to bank accounts • Photos and PDFs are processed entirely on your device • Optional iCloud data sync • Amount masking, privacy protection in the app switcher, and Face ID or device passcode lock • CSV export, JSON backup, and restore The free version supports up to 5 active holdings, 1 holder, and basic maturity reminders. Upgrade to Pro to unlock unlimited holdings, multiple family members, multiple reminder schedules, and full analytics and reports. 【Important Information】 • Maturity Ledger is intended solely for personal record-keeping, calculations, and reminders. It does not provide banking or transaction services, nor does it recommend or sell financial products. • Returns, exchange rates, and other calculated results are estimates. Actual amounts are subject to the product agreement and final settlement by the relevant financial institution. • Nothing in this app constitutes investment, tax, legal, or insurance advice. Privacy Policy: https://wwmmkk.github.io/Maturity-Ledger/Privacy%20Policy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/