Finly vs LedgerNests

Track every dollar without linking a single bank account. Most budgeting apps demand access to your bank login. They sync your accounts, store your credentials, and share your financial data with third parties. Finly does none of that. Finly is the only AI-powered budget tracker and expense planner built entirely around your privacy - no bank connections, no credential storage, no sharing of your personal financial records with third parties. Your financial life stays yours. "The voice logging is a game changer. I'm always on the subway or in the car and just being able to say what I spent without typing it out is so convenient." - Mark, App Store, 5 stars TRACK EXPENSES BY VOICE Open Finly and just say it. Finly's AI understands natural language and logs your expense instantly - category, amount, and note included. No typing, no menus, no friction. Whether you are at a coffee shop or stepping out of an Uber, your expense is logged before you put your phone away. IMPORT YOUR BANK STATEMENTS No bank password needed. Download a PDF or CSV statement from your bank's website - the same way you would to file your taxes - and upload it to Finly. The AI reads, categorizes, and organizes every transaction automatically. Works with any bank in the world: Chase, Bank of America, Wells Fargo, HSBC, Barclays, TD Bank, local credit unions - if your bank produces a statement, Finly can read it. UNDERSTAND WHERE YOUR MONEY GOES See exactly where every dollar goes with clear spending breakdowns by category. Finly generates monthly summaries and week-over-week trend charts so you can spot patterns over time. When did your grocery spending spike? What subscriptions are silently draining your budget? Finly answers all of it with zero bank access required. BUILD BUDGETS THAT ACTUALLY WORK Create spending limits by category and get notified before you overspend - not after. Most people fail at budgeting because they only find out at month end. Finly's real-time tracking means you know your status today. Set a grocery budget, a dining budget, an entertainment budget. Finly shows you exactly how much runway you have left in each. SNAP RECEIPTS INSTANTLY See a receipt? Take a photo. Finly's AI reads the merchant, date, and total and logs it automatically. No manual entry, no forgetting what you spent. Works for restaurants, retail, pharmacies, gas stations - any receipt you receive. BUILT FOR BANK-LEVEL PRIVACY Zero bank connections means zero exposure. Your financial data is never sold. Your credentials are never stored. No third-party financial aggregator ever touches your private records. You get all the power of a modern AI finance app with none of the privacy risks of bank-connected alternatives. MORE FEATURES - AI spending insights that surface unusual patterns and savings opportunities - Currency conversion for travelers and people with international income - Shareable milestone cards for paying off debt or hitting savings goals - Category customization so your budget reflects how you actually live - Manual transaction logging for cash and in-person payments - Subscription tracker to catch recurring charges you may have forgotten WHO FINLY IS FOR Finly is for anyone who wants to manage money without surrendering privacy. For people who pay with cash. For freelancers managing income from multiple sources. For anyone burned by data breaches who refuses to hand banking credentials to a third-party app. For anyone who tried Mint, YNAB, or Rocket Money and thought: why does this need my bank password just to help me budget? Finly works differently. Always has. Download Finly today and take back control of your money. Privacy Policy: https://heyfinly.ai/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

One shared home for every household bill. Everyone sees what’s due, what’s paid and what’s coming up, on the same list and the same calendar, updated in real time. No bank linking, ever: you just type in what you owe. Invite your partner, roommates or family, and you’re all looking at the same bills. Money is easier when everyone’s on the same page. ONE SHARED VIEW FOR THE WHOLE HOUSEHOLD • Invite your household with a link from the share sheet • Everyone has their own login and sees the same bills in real time • Mark a bill paid and it’s marked paid for everyone • Choose who can edit bills and who can simply follow along EVERY DUE DATE IN SIGHT • Your Overview shows what’s due this month, what’s paid, what’s left, and anything overdue • A shared month calendar puts each bill’s amount on its due day, marked paid, unpaid or overdue • Tap any day to see its bills, mark them paid, or add a bill for that date • One-time and monthly bills, with each month tracked on its own • Seven categories: Housing, Utilities, Insurance, Subscriptions, Debt, Vehicles and Other • Flag a bill as autopay and it’s marked paid in the app on its due date • Add an account’s last four digits to see a separate summary for each card or account • Look back through the past 12 months, one month at a time REMINDERS THAT KEEP EVERYONE ON TIME • A heads-up at 9 AM your time: a week before, the day before, and the day a bill is due • A gentle daily nudge for up to five days if a bill runs late • Alerts when someone in your household adds a bill or marks one paid • Turn each type of reminder or alert on or off • Reminders and alerts are free for every new account’s first 30 days, then included with Pro PRIVATE BY DESIGN • No bank logins, card numbers or account credentials. The only account detail is an optional last four digits, so you can tell your cards apart. • Your household’s bills are visible only to your household • Lock the app with Face ID, Touch ID or your passcode • No ads, and your data is not used to track you • Delete your account from inside the app at any time MORE THAN ONE HOME, WITH PRO Keep up to 10 households, each with its own bills, members and nickname, and switch between them from your account menu. Made for landlords with several properties, a second home, a student’s apartment, or helping a parent stay on top of their bills. Reminders name the household, so you always know which home a bill belongs to. THE LITTLE THINGS • View your bills, mark them paid or make edits without a connection; changes sync when you’re back online • Light, dark or match your system • Pick a color for each category and each account on the calendar • A short guided tour helps you add your first bill FREE AND PRO Free: 1 household, 2 members including you, up to 10 bills, and reminders for your first 30 days. Pro: unlimited bills, up to 10 members per household, up to 10 households, and reminders that keep going. Bill and member limits follow the household owner’s plan. Reminders follow each person’s own plan. LedgerNests is a tracking and reminder tool. It never moves money or pays bills for you, and amounts are shown in US dollars. Questions? support@ledgernests.com LEDGERNESTS PRO An auto-renewing monthly subscription: unlimited bills, up to ten members per household, multiple households, and push reminders. Payment is charged to your Apple Account when you confirm the purchase. It renews automatically unless cancelled at least 24 hours before the end of the current period, and you can manage or cancel it anytime in your Apple Account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://ledgernests.com/privacy