Ledgery vs Spendtrail

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

Spendtrail is a beautifully simple expense tracker that keeps every number on your device. Log spending in seconds, ask where your money went in plain language, and stay ahead of your budget. WHY SPENDTRAIL - Private by design. Your data lives on your phone — including the AI that answers your questions. There's no login and no cloud account required to get started. - Fast to log. Quick-add an expense or income in a couple of taps, with an optional note. - Made to look at. A clean, calm interface with light and dark themes. LOG WITHOUT LIFTING A FINGER - Auto-log Apple Pay: a one-time Shortcuts setup logs every Apple Pay purchase silently, with a guided walkthrough in the app. - Spendtrail learns your merchants — file a purchase once and future ones are categorized for you. - Glance at your recent entries right from the record screen to confirm a save or undo a mistake. TRACK EVERY PURCHASE - Scan receipts with your camera or photo library and attach them to a transaction — in any of the app's supported languages. - Multi-currency support with live or cached exchange rates, converted to your base currency. - Browse transactions as a list or on a calendar, and search or filter instantly. BUDGETS & INSIGHTS - Set monthly spending limits by category and see how much is left at a glance. - Spot trends with weekly, monthly, and yearly charts for spending and income. - See a clear category breakdown of where your money actually goes. JUST ASK - Ask about your spending in plain language — "what did I spend most on?", "how does this month compare to last month?", "what was my biggest purchase this year?" - Every answer comes with the chart or list behind it, so you can see the figures rather than take them on trust. - Answers are worked out on your iPhone. Your question and your transactions never leave the device, and nothing is used to train anything. - Tap through from any answer straight to the transactions it came from. - Requires Apple Intelligence, available on iPhone 16 models, iPhone 15 Pro, and iPhone 15 Pro Max. Spendtrail simply hides the feature when it cannot run. NEVER MISS A SUBSCRIPTION - Log recurring payments, from subscriptions to bills, automatically. - Choose weekly, biweekly, monthly, or yearly, pause any time, and always know your next charge. ORGANIZE YOUR WAY - Customize categories with your own names, colors, and icons. - Start fast with a built-in set: Snack & Drink, Groceries, Transport, Shopping, Bills & Subscriptions, and more. YOUR DATA, YOUR CONTROL - Lock the app with Face ID or your passcode. - Export all transactions to CSV, edit in a spreadsheet, and import them back. - Available in English, Simplified Chinese, Traditional Chinese, Japanese, Korean, Spanish, French, German, Italian, Portuguese, Hindi, Indonesian, Vietnamese, and Arabic. Spendtrail is a fast, private way to know exactly where your money goes. Download Spendtrail and take control of your spending today.