Ledgr vs The Smart Budget

Ledgr is a smart finance journal powered by on-device AI. Scan receipts with your camera, analyze bank statements with AI, speak transactions out loud, or type in plain English — Ledgr understands it all, entirely on your device with zero cloud dependency. WHAT MAKES LEDGR DIFFERENT ◆ AI BANK STATEMENT ANALYZER Import a PDF bank statement, snap a photo, or pick from your library. Ledgr's on-device AI reads every transaction, categorizes your spending with visual breakdowns, flags unusual charges, and generates personalized saving tips. No upload, no subscription — everything runs locally using Apple Intelligence. ◆ 4-WAY SMART INPUT Add transactions your way: - Point your camera at a receipt — AI extracts amount, merchant, and category instantly - Pick a receipt photo from your library - Hold the mic and speak: "Spent twelve dollars on lunch at Subway" - Or just type naturally: "$5 coffee starbucks" ◆ AI SPENDING INSIGHTS Your Statistics tab comes alive with AI-generated analysis — spending patterns, locale-aware saving tips, and trend commentary based on your real data. ◆ LIVE GOOGLE SHEETS SYNC Connect your Google account via OAuth and sync transactions directly to a spreadsheet you own. Not a CSV export — a live sync with conflict resolution, deduplication, sync history, and traffic stats. ◆ TRUE MULTI-CURRENCY Log transactions in 20+ currencies. Ledgr converts amounts using real-time exchange rates so your totals, statistics, and trends are always accurate — even across countries. ◆ CROSS-PLATFORM WITH iCLOUD Works seamlessly on iPhone, iPad, and Mac. All data syncs automatically via iCloud CloudKit. ◆ PRIVACY-FIRST No account required. No third-party servers. No tracking. Built with 100% Apple-native frameworks — SwiftUI, SwiftData, CloudKit, Vision, and Foundation Models. Zero external dependencies. Your data stays yours. Also includes: GPS location tagging, transaction shortcuts, customizable categories with emoji, account management, advanced search with filters, and spending trend charts. Key changes from your old description: - Opens with AI capabilities, not "track income and expenses" - Statement Analyzer is front and center (your strongest differentiator) - "4-Way Smart Input" positions the multi-modal entry as a feature, not just buttons - "AI Spending Insights" highlighted as its own feature - Google Sheets described as "live sync" not just "export" - Basic features (categories, search, charts) pushed to a single line at the bottom - Every bullet answers "why is this not just another expense tracker?"

The Smart Budget does the work for you. Set it up once and your spending logs itself — captured, cleaned up, categorized, and checked for anything odd. You open the app to review, not to type. Private, built on Apple Intelligence — and free to start. Smart Budget reads the merchant, amount, currency, and date — on your iPhone or in Apple's Private Cloud Compute — cleans up the messy bank text, picks the right category, and quietly flags anything unusual. No bank login. No third party, ever. Prefer to add one by hand? Log it in seconds, snap a receipt, or say it out loud. Your data stays yours. No accounts to create. No bank-linking required. No data sold or shared. iCloud sync is optional and runs through your own Apple ID — your transactions never reach us. — FREE FOREVER — • Hands-off capture — set it up in seconds and your bank texts and notifications log themselves • Import a bank statement — PDF or CSV, read by Apple Intelligence (iOS 27) • Automatic cleanup + categorization — messy bank merchant strings become clean, sorted entries • Anomaly detection — the Notable card flags spending that doesn't match your patterns • Add transactions by hand too — type in seconds, dictate, or snap a receipt • Unlimited logging, budgets, goals, and incomes • Dashboard with "available this month" hero • "Tell it once, learn forever" merchant aliases — name a merchant once, it's applied forever • Reports: Spending by category, Income vs spending, All transactions, Anomalies & alerts • Lock Screen + Home Screen widgets • Spotlight search for any transaction • Siri Shortcuts for quick logging • Multi-currency with automatic FX conversion • Full VoiceOver, WCAG AA contrast — SMART BUDGET PRO — The intelligence layer, optional, shareable with your family: • Full history — every month, not just the last 15 days • Smart Insights — LLM-narrated story cards on the Insights tab: looking-ahead pace forecasts, goal coaching, category-mix shift detection, recurring-charge audit, what-if scenarios, savings opportunities, period summaries • All Reports — Top merchants, Largest transactions, Recurring charges, Merchant frequency, Budget history, Goal progress, Savings, By account, Year in review, plus per-member household reports Pro pricing: • Monthly: $2.99 • Yearly: $24.99 (3 months free vs paying monthly) • Lifetime: $49.99 (one-time payment, never expires) — SMART BUDGET HOUSEHOLD — Everything in Pro, for your whole household on one shared ledger: • Household Sharing — invite a partner; share budgets, goals, and reports through a private CloudKit Share you control • Members don't pay — the owner's plan covers everyone in the household Household pricing: • Monthly: $4.99 • Yearly: $49.99 (2 months free vs paying monthly) • Lifetime: $99.99 (one-time payment, never expires) Bought Pro before version 2.0? Household sharing stays included in your plan. All Pro and Household plans support Apple Family Sharing — one purchase covers up to six family members at no extra cost. Cancel a subscription anytime in iOS Settings → Apple ID → Subscriptions. — PRIVACY — The Smart Budget runs on Apple Intelligence — on your iPhone or in Apple's Private Cloud Compute, Apple's own hardened servers. Nothing is stored, and no third party is ever involved. No accounts to sign up for. Anonymous app analytics help us improve — never your transactions, amounts or merchants — and you can turn them off in Settings → Privacy. Read the full privacy policy at zaatarlabs.com/privacy-policy. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/