Folioz vs MomBooks

Folioz is a modern personal finance app designed to help you understand and manage your money with clarity. Instead of hiding your finances behind complex charts or opaque summaries, Folioz is built around a personal ledger concept inspired by double-entry bookkeeping. Every transaction is clearly recorded, making your financial situation transparent and easy to reason about. Whether you want to track daily expenses, manage accounts and assets, or simply understand where your money is going, Folioz provides a clean and structured foundation for long-term personal finance. Key Features • Personal Ledger System Record income, expenses, and transfers in a clear, ledger-based format inspired by double-entry bookkeeping. • Expense & Income Tracking Organize transactions by accounts and categories to understand how money flows through your finances. • Account & Balance Management Track balances across cash, bank accounts, credit cards, and other accounts with consistency and accuracy. • Structured & Minimal Design A calm, focused interface designed to reduce noise and help you concentrate on what matters. • Flexible for Everyday Use Suitable for simple household budgeting as well as more structured personal finance workflows. Designed for Clarity Folioz is not about chasing trends or overwhelming you with features. It is built for people who want a clear, honest view of their finances, based on structure rather than guesswork. The ledger-based approach makes it easier to: • Understand how transactions affect your balances • Review past financial decisions • Build sustainable money habits over time Privacy First Your financial data belongs to you. • Data is stored locally on your device • No account registration required • No ads and no tracking • No selling or sharing of personal data Folioz is designed to respect your privacy while giving you full control over your financial records. Who Is Folioz For? • Anyone looking for a simple, reliable expense tracker • Users who prefer structure over automation • People interested in long-term financial awareness • Those who value clarity, privacy, and thoughtful design Start Building Financial Clarity Folioz gives you a solid foundation to understand your money — clearly, calmly, and on your own terms. Download Folioz and take control of your personal ledger today. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

MomBooks brings real double-entry bookkeeping to iPhone, iPad, and Mac — Plain Text Accounting (PTA), compatible with ledger/hledger/beancount syntax. Every transaction balances to zero, GAAP-oriented reports show where you actually stand, and your data stays on your device unless you choose otherwise. No spreadsheets. No subscription just to see your own numbers. WHO IT'S FOR Generate a starter Chart of Accounts in one tap, tailored to how you actually use money: • Personal Finance — checking, savings, credit cards, and the household categories you'd expect • Rental Property / Landlord — tenant deposits, mortgage interest, depreciation, and rental-specific income & expenses • Small Business — receivables, payables, inventory, owner's equity, and operating expense categories Profiles combine, too — a landlord who also tracks household finances can generate both at once. THE LEDGER CORE • Double-entry register with the Rule of Zero strictly enforced, per commodity • Manual entry via a guided split form or a raw PTA command-line editor with live syntax highlighting • Reusable split templates for recurring transactions — record a paycheck's gross pay, taxes, deductions, and net deposit without re-picking the same accounts every payday • Multi-currency and commodity support, with price directives for exchange rates and lot pricing • Strict Decimal arithmetic throughout — money is never floating-point, anywhere IMPORT, EXPORT, AND RECONCILE • Import plain-text PTA ledgers, OFX/QFX bank statements, and CSV exports, with a reconciliation queue that flags duplicates before anything is committed • Native file picker on every platform — no copy-pasting required • Bulk-reclassify a batch of freshly-imported transactions in one pass, right from the Register • Balance any account against a real bank statement — check off what cleared and watch the difference converge to zero • Export to .ledger or .beancount plain text, with optional two-way file sync • CPA Extract: General Ledger, Trial Balance, Income Statement, and Balance Sheet as CSV or PDF — formats an actual accountant can use REPORTING, BUDGETS, AND FISCAL YEARS • Balance Sheet, Income Statement, Cash Flow, Trial Balance, and a raw Journal view • Configurable fiscal year start — YTD and QTD figures respect it everywhere, not just the calendar year • Zero-based or rollover envelope budgeting against actual spend A REAL AUDIT TRAIL Every create, edit, and delete on a transaction or account is logged: when, a plain-language summary, field-level before/after values, and which device made the change — resolved automatically across your iPhone, iPad, and Mac. Export the trail as CSV or PDF for outside review. SECURITY & PRIVACY • Face ID / Touch ID / Optic ID and PIN app lock, with auto-lock and app-switcher privacy masking • Local-first, zero exfiltration — ledger data never leaves the device to third-party analytics • Medical billing entries use de-identified account tokens, keeping PHI out of your ledger text MULTIPLATFORM BY DESIGN Adaptive layout on every screen size, native macOS menu commands and keyboard shortcuts for fast entry, Siri & Shortcuts support, and optional iCloud sync across your own devices. FREE, WITH OPTIONAL PRO The base app is a fully functional ledger — accounts, transactions, splits, the Chart of Accounts generator, plain-text import/export, account reconciliation, the audit trail, and every security feature are free, no account required. Pro adds OFX/QFX statement import, visual CSV mapping, two-way Beancount/HLedger sync, the full report suite (Balance Sheet, P&L, Cash Flow) plus CPA/Auditor CSV & PDF extracts, envelope budgeting, multi-currency tracking, and iCloud sync. MomBooks is a record-keeping tool, not a source of financial, tax, or legal advice. Verify calculations and statements with a licensed CPA or qualified professional. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/