OneLedger vs WealthSnap

Where will your net worth be in fifteen years? OneLedger works it out on your iPhone, with no bank connection and no subscription. OneLedger brings together accounts, portfolios (stocks, ETFs, crypto), real estate, and loans in one app. Think long term, track your objectives Building wealth takes years. OneLedger is built for a long-term view: you set your goals (retirement, property purchase, project savings) and follow how your situation evolves over time. Dashboard, projection charts, and wealth evolution give you a clear picture of where you stand and where you're heading. Savings and accounts Centralise your bank and savings accounts (checking, savings, brokerage). See totals, history, and breakdown by category. Portfolios: stocks, ETFs and crypto Create portfolios by goal (retirement, project, liquidity). Add positions in stocks, ETFs, or crypto with quantity and purchase price. Track the value and performance of each portfolio, refreshed automatically without an API key. Add your own key if you want a longer price history. Real estate and loans Record your properties and their linked loans. Run repayment scenarios (rate, term, monthly payment) and compare the impact on your cash flow. You get a clear view of debt and net real estate wealth. Scenarios and analysis Use scenarios to project your savings and goals over time. The Expert module offers macro indicators (liquidity, valuation, economic cycle) and tools such as rate stress tests to support your long-term thinking. Privacy by design No bank connection, no account to create, no server: your data is encrypted and stays on your device, with local encrypted backups. A single one-time purchase unlocks the full version, no subscription. Who is it for? Individuals who want a single view of their wealth, without relying on a bank connection or a mandatory cloud subscription. 14-day free trial, English interface. Download OneLedger and take control of your net worth.

WealthSnap shows everything you own and owe in one place, and how it changes over time. Add your accounts yourself: cash, savings, stocks, ETFs, crypto, gold, pension, property, vehicles, loans and credit cards. There is no bank login and no account linking. You enter the numbers, and they stay yours. EVERYTHING IN ONE TOTAL • One net worth figure across every account and currency • Accounts grouped by category, with assets and liabilities side by side • A net worth chart built from the snapshots you take • What Changed: each move in your net worth, explained, on the Overview and on each group of accounts • Cash Exposure: your cash by currency, and the share of each • Put two fingers on a chart to measure the change between two dates INVESTMENTS • Record buys, sells, deposits, withdrawals and dividends for each position • Prices for stocks, ETFs, crypto and metals (live with PRO; free: updated about once an hour) • Track cold wallets and offline holdings without connecting anything EVERYDAY MONEY • Log expenses and income by category • Budgets: a monthly limit, category caps, breakdowns and a pace detail for each month • Savings rate by month, and the total you saved over time • Shake your iPhone to hide your amounts • Keep accounts in different currencies and see one total in your own WEALTHSNAP PRO An optional subscription unlocks: • Your real profit: cost basis, average price, gains, fees and currency effect • Live prices and a Markets watchlist • Charts for every account, over any date range • Rebuilt history: your charts start before your first snapshot, rebuilt from your transactions • Unlimited snapshots and check-ins (free: 2 snapshots a month, one check-in a week) • Automatic snapshots on a schedule, and at new highs and lows • Transfers, swaps and loan pay-downs • Unlimited recurring schedules (free: one active schedule) • Invest, Budget and Available Cash in the currency you choose • Cash Exposure history, and an alert when a currency passes your limit • iCloud sync between your devices, restore and a full export file • Five more themes, each in light and dark • Priority support Payment is charged to your Apple Account. The subscription renews automatically unless you cancel at least 24 hours before the end of the current period. You can manage or cancel it in your Apple Account settings. Privacy policy: https://craftingbytes.eu/wealthsnap-privacy.html Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/