Koink vs NestLedger

Your money tells a story. Koink helps you write it. Koink is an AI-powered money journal that helps you understand not just where your money goes, but why. Scan receipts, track spending, split bills with friends, and reflect on your financial journey in one simple app. SCAN Point your camera at any receipt and Koink extracts the details automatically. The AI detects merchant names, line items, totals, taxes, and categories in seconds. Works with receipts in multiple languages. TRACK Set monthly budgets and monitor your spending with clear visual summaries. See income, expenses, debts, and your running balance in one clean dashboard. SPLIT Scan a receipt and split the bill instantly with friends. Track who owes what, settle payments, and share a clean summary. Create group trips and invite friends with a link. REFLECT Koink also includes a personal journal where you can record your day, tag your mood, add locations, and connect spending to the moments behind it. AI writing assistance helps you capture thoughts quickly. SYNC Sign in to sync your data across devices. All information is end-to-end encrypted on your device before upload, so not even we can read it. FEATURES • AI receipt scanning • Expense tracking and budgeting • Bill splitting with friends • Personal money journal • Multiple currencies • Export splits to PDF or text • Location tagging for journal entries • Custom themes, fonts, colors, and app icons • No ads Koink helps you organize your finances while capturing the story behind every expense. -------------------------------------------------------------------------------------------------------- Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://koink.app/privacy

NestLedger is a beautiful, privacy-first family ledger built for those who want full control of their financial life — without subscriptions, tracking, or ads. TRACK EVERY TRANSACTION Log expenses and income in seconds. Smart category suggestions, merchant auto-fill, and receipt photo attachments make entry effortless. RECURRING BILLS & REMINDERS Set up recurring entries for rent, subscriptions, utilities, and more. NestLedger tracks what's due and reminds you before payment day. BUDGETS & ENVELOPES Set daily, weekly, and monthly budgets. Use category envelopes to allocate spending intentionally. Watch your progress update in real time. INSIGHTS & TRENDS (Pro) Explore rich spending insights — monthly cash flow, category breakdowns, merchant frequency, and year-over-year comparisons. SAVINGS GOALS (Pro) Create personal savings goals and track progress. Enable auto-sweep to automatically allocate a percentage of income toward your goals. EXPORT & BACKUP (Pro) Export your data as PDF reports, CSV files, or encrypted JSON backups. Restore data from any backup at any time. AUTOMATION & MERCHANTS (Pro) Build a custom merchant library, define category rules, and manage all recurring entries from one central place. PRIVACY FIRST — ALWAYS NestLedger is crafted by an indie developer dedicated to building high-quality tools with absolutely no ads, no trackers, and full local security. Your data stays on your device, always. NestLedger Pro — One-Time Unlock Upgrade once and unlock everything, forever. No subscriptions. No recurring charges. Pro includes: • Unlimited transactions • Full Insights & Trends • Backup & Export (PDF, CSV, JSON) • Automation, Budgets & Recurring Rules • Merchants & Custom Categories • App Customization (Themes & Color Accents) • Savings Goals & Envelope Budgeting