Ledgery vs Pledgr

Ledgery is a personal finance ledger for tracking day-to-day spending, budgets, refunds, savings goals, and shared accounts. Record expenses quickly, organize them by merchant, category, and tags, and review where your money is going through clear summaries and trends. Ledgery helps you understand monthly spending, watch budget limits, and keep refunds connected to the original expense so your history stays easy to trust. Plan ahead with savings goals and annual income context, import or export your data with CSV, and use guest mode when you want to explore the app or capture clean demos without exposing personal transactions. For households or shared spending, Ledgery supports iCloud sharing through CloudKit. Your ledger data stays on your device or in your own iCloud account when sharing is enabled. Ledgery does not require a separate account and does not store your financial data on an external server. Key features: - Expense, refund, and saving transaction tracking - Budgets, spending trends, and category insights - Merchant/category organization and tags - Savings goals with monthly planning context - CSV import and export - Guest mode for private demos - iCloud sharing for shared accounts - Shortcuts and App Intents support

Pledgr is a fast, private expense tracker for people who want clarity about their money without giving it to anyone else. No sign-up. No vendor server. Your data lives on your iPhone and syncs through your own private iCloud. LOG IN SECONDS • Add expenses, income, and transfers with a few taps • Categories with clean, colorful icons — plus your own custom categories • Tags, notes, and photo receipts for deeper organization • Pick the account you paid with: cash, bank, credit card SEE WHERE MONEY GOES • Cash-flow summary the moment you open the app • Weekly, monthly, yearly, and custom analysis • Spending trends, day-wise charts, and category breakdowns • Payment-mode analysis and summary statistics • Export any period to CSV STAY ON BUDGET • Monthly and annual budgets with progress you can read at a glance • A daily budget target that keeps you honest • Optional budget alerts before you cross the line EVERYTHING ELSE YOU NEED • Accounts with balances and privacy masking • Scheduled transactions with reminders for recurring bills • Debts — track money you lent or borrowed, with due dates • Home-screen widget for today's spending • Spotlight search of your transactions • Daily reminder so logging becomes a habit • App lock with Face ID • JSON backup export and restore — your data is portable, always PRIVATE BY DESIGN • No account and no Pledgr server — there is nothing to sign up for • Your financial data stays on device and in your private iCloud database • The free app shows a small banner ad; your financial data is never shared with advertisers Pledgr is built for one thing: making it effortless to know where your money goes — while making sure nobody else does.