Clear Ledger App vs Kova

Clear Ledger is a proper double-entry bookkeeping app designed for freelancers, sole traders, and small business owners who want full control of their finances — without the complexity of enterprise software or the limitations of a basic expense tracker. REAL DOUBLE-ENTRY ACCOUNTING Every journal entry requires balanced debits and credits, just like a professional ledger. Clear Ledger validates your entries in real time so your books always balance. CHART OF ACCOUNTS Organize your accounts by type — Assets, Liabilities, Equity, Revenue, and Expenses. Add, reorder, and manage accounts as your business grows. FINANCIAL REPORTS Generate the reports that matter: • Balance Sheet — see your financial position as of any date • Profit & Loss — track income and expenses over any period, with handy presets like This Month, This Quarter, or Last Year • Trial Balance — verify that your books balance with a full debit/credit summary EXPORT ANYTHING Share or archive your Journal, Trial Balance, Balance Sheet, and Profit & Loss reports as PDF or CSV files. MULTI-COMPANY SUPPORT Run more than one business? Create separate companies and switch between them instantly. PRIVATE BY DESIGN Your data stays on your device and in your personal iCloud account. No servers, no analytics, no data collection — ever. Read our privacy policy for details. SYNCS ACROSS DEVICES iCloud keeps your books up to date on every device automatically. Built with SwiftUI for iOS, macOS, and visionOS.

Kova is the fastest way to track your spending and stay on top of your money. Built for people who want a simple, private expense tracker that just works. Every dollar you enter stays on your device. Track expenses in seconds Add an expense in two taps. Pin your most frequent ones to Quick Add for one-tap logging on the go. Know where your money goes See your spending broken down by category. Drill into any category to see every transaction. Filter by last 7 days, this week, or last week to spot patterns fast. Budget with a plan that fits you Choose from three popular budget splits — 50/30/20, 60/30/10, or 70/20/10 — or build your own. Set a budget base amount and Kova shows you exactly how much you've spent against each group in real time. Built for the Caribbean Kova is GYD-first with full support for USD, TTD, BBD, EUR, and GBP. No forced currency conversions. Support for more currencies to come. Your data, your device No account required. No cloud sync. No tracking. Everything you enter is stored locally and stays private. Export your data as a CSV at any time. Completely free. Always. Every feature in Kova is free. No paywalls. No premium tier. No subscription.