Comparison

TalkLedger vs Ratio

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

TalkLedger

Features
Read full description

TalkLedger - Smart Expense Tracker Organized by AI Stop struggling with complicated expense entry! TalkLedger is an innovative expense tracking app that uses AI to automatically analyze natural language input and convert it into structured expense records. AI-Powered Natural Language Processing Type naturally like chatting, and AI analyzes it for you - Just type "Lunch today, 9,000 won, paid by card" and you're done! - AI understands your sentences and automatically extracts amount, category, payment method, date, and more - Record expenses naturally without complex form inputs Smart Analysis Powered by AI - Intelligent AI automatically converts natural language into structured expense data - Automatically distinguishes between expenses and income and categorizes them appropriately - Shows analysis results in card format for review before saving - Edit immediately if any corrections are needed Systematic Expense Management - Transaction list organized by date - Easy filtering by expense/income - View and edit detailed information for each item - Daily income/expense summary Customizable Settings - Build your own categorization system by adding/editing/deleting categories - Manage payment methods (cash, account, card, digital wallet, etc.) - Currency unit settings - Data reset functionality How to Use 1. Enter natural language on the input screen Example: "Dinner yesterday, 15,000 won. Paid with company card, food category" Example: "Salary of 3 million won deposited into salary account" Example: "Coffee today, 5,000 won, paid in cash" 2. Review AI-analyzed results - AI automatically extracts type (expense/income), amount, category, payment method, date, etc. - Edit directly from the result card if needed 3. Save and manage - Save after review to automatically record in your expense tracker - View and edit anytime from the transaction screen Why TalkLedger? AI Organizes Everything - The Biggest Advantage - Minimize input burden with AI-powered intelligent natural language processing - Completely eliminates complex form input processes - Just type naturally like chatting, and AI converts it into structured data Fast and Convenient - Complete expense recording in just seconds - Quickly record even small daily expenses - Input time dramatically reduced thanks to AI Complete Privacy - All transactions are stored only on your device - No features requiring internet connection, ensuring safety Intuitive Design - Modern and clean interface - Easy-to-use tab-based navigation - Get started easily with tutorials Full Offline Support - Use all features without internet connection - Record and check your expenses anytime, anywhere Start a new experience in expense management with TalkLedger. No more complicated inputs - meet the natural language expense tracker organized by AI! --- Contact & Feedback: talkledger.official@proton.me

About

Ratio

Features
Read full description

Track how assets perform relative to each other with Ratio. Instead of looking at prices in isolation, see the real story: How many ounces of gold does one Bitcoin buy? How does the S&P 500 compare to bonds over time? Ratio makes it easy to compare any two assets and spot trends you'd otherwise miss. COMPARE ANYTHING Build ratios from 95+ assets including: • Crypto: Bitcoin, Ethereum, Dogecoin, XRP, and more • Precious Metals: Gold, Silver, Platinum, Palladium • Stocks: Apple, Tesla, Nvidia, Microsoft, and top US equities • ETFs: SPY, QQQ, sector ETFs, bonds, commodities • Forex: EUR/USD, USD/JPY, GBP/USD INTERACTIVE CHARTS • View ratios across multiple timeframes: 1M, 3M, 6M, 1Y, 5Y, or Max • Normalized view (0-100 scale) to easily compare trends • Historical data going back decades for many assets WATCHLIST • Save your favorite ratio pairs • See current values and daily changes at a glance • Drag to reorder, swipe to delete ALERTS • Set alerts when a ratio goes above or below your target • Get notified when conditions are met • Never miss an important crossover BUILT FOR SIMPLICITY • Clean, dark interface • Fast and responsive • Works offline with cached data Whether you're tracking Bitcoin's purchasing power, comparing growth vs value stocks, or monitoring currency pairs, Ratio gives you a new lens on the markets.

Screenshots

TalkLedger4 screens
Ratio1 screens

Verdict

The call

The clearest difference is ads: Ratio at none against TalkLedger's shown. Ratio also leads on iOS requirement (16.0 vs 26.0). On price, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Scorecard2 real differences · 4 level
TalkLedger versus Ratio: the parameters behind the verdict, then further details
ParameterTalkLedgerRatio
PriceFreeFree
Update frequencyDaily—
AdsYesNo — better
In-app purchasesNoNo
DevicesiPhoneiPhone, iPad — better
Requires iOS26.016.0 — better
Further details — not scored
Size11 MB2 MB
Age rating4+4+
DeveloperKim Sang sunMatthijs van Driel

In-app purchases

None

TalkLedger

No in-app purchases

None

Ratio

No in-app purchases

Questions

Is TalkLedger free?
TalkLedger is free to download, with no in-app purchases.
Is Ratio free?
Ratio is free to download, with no in-app purchases.
Do TalkLedger or Ratio have ads?
TalkLedger shows ads; Ratio does not.

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