Ledg vs ChronoPay

Ledg is a budget tracker that believes your money is nobody's business but yours. No bank login. No cloud sync. No analytics. No accounts. Just you and your budget, right on your device. — WHY LEDG? — Every budget app wants your bank password. They sync your transactions to servers. They track what you buy, where you shop, how you spend. Ledg doesn't do any of that. Your financial data stays on your iPhone. Period. — FAST EXPENSE TRACKING — Add a transaction in 3 taps. Open the app, type the amount, tap a category — done. The custom numpad and category grid are designed for speed. No keyboard fumbling. No forms. No friction. — ENVELOPE BUDGETING — Set a monthly income, allocate amounts to categories, and watch the progress ring fill up. When you hit 80%, you'll know. When you hit 100%, you'll really know. Budget rollover carries unspent amounts to next month. — SMART CATEGORIES — Start with 10 built-in categories or create your own. Each one gets an emoji, a color, and a budget allocation. Drag to reorder. Tap to edit. Up to 15 free — unlimited with Pro. — RECURRING TRANSACTIONS — Set up rent, subscriptions, and paychecks once. Ledg handles the rest. Toggle rules on and off. See upcoming charges at a glance. — CHARTS & INSIGHTS — Spending by category. Daily trends over 14 days. A budget ring that turns from green to orange to red as you approach your limit. No vanity metrics — just the numbers you need. — DATA PORTABILITY — Export your transactions as CSV. Import from YNAB, Mint, or any app. Back up as JSON. Your data is portable because it's yours. — PRIVACY BY DESIGN — • Face ID / Touch ID app lock • Privacy blur when switching apps • No analytics SDK — zero telemetry • No network requests (except App Store for purchases) • iOS Data Protection encryption at rest • No account required — ever — WIDGETS & SIRI — Budget ring on your Home Screen. "How much have I spent today?" — ask Siri. Glanceable insights without opening the app. — FREE FOREVER — Ledg is free with up to 15 categories. That's enough for most people. No time limit. No trial. No nag screens. — LEDG PRO — Unlock unlimited categories, home screen widgets, advanced charts, CSV/JSON export, and budget rollover. • Yearly: $29.99/year (70% less than YNAB) • Lifetime: $74.99 — pay once, keep forever — BUILT BY ONE DEVELOPER — Ledg is built by a developer who got tired of budget apps that spy on users. It's SwiftUI native, offline-first, and designed to last for years on your device without ever phoning home. Download Ledg. Take control of your money. Keep your privacy. Ledg Pro subscription automatically renews unless cancelled at least 24 hours before the end of the current period. Payment is charged to your Apple ID account at confirmation of purchase. Manage or cancel anytime in Settings > Apple ID > Subscriptions. — LEGAL — Terms of Use (EULA): https://getledg.app/terms/ Privacy Policy: https://getledg.app/privacy/

Stop reacting to bills. Start mastering them. This isn’t just another bill tracker. It’s a smarter way to plan, predict, and stay ahead. With powerful forecasting, intelligent payment timing, and a real-time Bill Stress Score, you always know exactly where you stand. No surprises. No scrambling. No late fees. SMART BILL PLANNING WITH PROCESSING TIME Most apps assume payments happen instantly. Real life doesn’t. Add a custom processing time to any bill and guarantee your payment arrives exactly when it needs to. Perfect for slow payers, mailed payments, or services that take days to process. Plan ahead with confidence and never miss a due date again. YOUR BILL STRESS SCORE One quick glance tells you everything. The Bill Stress Score instantly evaluates your current bill situation and upcoming income. Know whether you’re comfortably covered or if action is needed. No spreadsheets. No guesswork. Just clarity. 90 DAY FORECASTING See what’s coming before it happens. Track income, upcoming bills, and projected balances across the next 90 days. Watch your balance trend evolve and make smarter decisions with real financial visibility. SHARED HOUSEHOLD Money is easier when it’s shared. Invite your partner and manage expenses together in real time. Add bills, update payments, and stay aligned without endless messages or confusion. SUBSCRIPTIONS, ORGANIZED Streaming services. Memberships. Recurring charges. All subscriptions live in their own dedicated space so you can review, edit, and manage them anytime. See totals instantly and stay in control of recurring spending. CUSTOM BILL ICONS Make your finances visual. Upload custom icons for bills and subscriptions to personalize your dashboard and make navigation faster and more intuitive. SMART NOTIFICATIONS Only get notified about what matters to you. Choose exactly what you want alerts for and what you don’t. Upcoming bills, due soon reminders, income alerts, and more. Powerful and customizable. PRIVACY FIRST. ALWAYS. Your financial data belongs to you. • No third-party servers • No selling data • No tracking your finances • No accounts required All syncing and backups are powered exclusively by Apple CloudKit and iCloud. Your information stays securely within Apple’s ecosystem and under your control. Designed for simplicity. Built for clarity. Powered by privacy. Download today and take control of your financial flow! Terms of Use: https://steinmetzlabs.com/apps/chronopay/terms.html Privacy Policy: https://steinmetzlabs.com/apps/chronopay/privacy.html