Richish vs Ledger

PRIVATE WEALTH TRACKING WITHOUT BANK CONNECTIONS Richish is a private wealth tracker built for people who want a clear view of their money without giving up control. Track net worth, accounts, credit cards, loans, investments, and spending in one clean workspace. Add data manually or import CSV files to stay organized and build your financial picture over time from your iPhone or iPad. COMPLETE NET WORTH OVERVIEW • Track assets and liabilities in one place • Monitor cash, credit cards, loans, and investments together • See your total net worth over time • Review balances across all accounts at a glance • Keep your financial life organized in one dashboard PRIVATE BY DESIGN • No bank connections required • No Plaid or brokerage syncing • Add information manually on your terms • Import CSV files when you want a faster setup • Keep full control of your financial data ACCOUNT TRACKING MADE SIMPLE • Add checking, savings, credit card, loan, and investment accounts • Organize balances across your financial life • Keep everyday money and long-term wealth in one app • View account details in a clean, structured layout • Track changes over time with clarity SMART TRANSACTION MANAGEMENT • Import transaction history from CSV files • Review spending by date, merchant, and category • Track statement activity across your accounts • Keep a personal record of income and expenses • Build a financial history you can revisit anytime INVESTMENT TRACKING • Log holdings, quantities, and cost basis • Monitor portfolio value over time • Track stocks, ETFs, and other positions in one place • Connect your investments to your full net worth picture • Stay focused on long-term wealth growth BUDGETING AND CASH FLOW INSIGHTS • Review monthly spending trends • Understand where your money is going • Track income and expenses in one system • Spot recurring activity more easily • Stay aligned with your financial goals AUTOMATION AND ORGANIZATION • Detect recurring transactions faster • Use rules to automate categorization • Reduce manual cleanup over time • Keep your finances organized as your data grows • Create a smoother long-term tracking workflow REPORTS AND DATA EXPORT • Export reports when you need a snapshot • Keep a private record of your financial progress • Maintain your own historical financial data • Build a system you can manage on your own terms PERFECT FOR: • People who want a private wealth tracker • Users who prefer manual control over bank syncing • Anyone tracking net worth across multiple accounts • Investors who want spending and portfolio tracking together • People who want a calm, organized financial workspace WHY RICHISH? • Private-first design • No forced account connections • Clean and focused experience • Flexible CSV import workflow • Built for clarity, control, and long-term tracking Download Richish and take control of your financial life with a private wealth tracker designed around clarity, organization, and ownership. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Ledger is a private household finance app for people who want a clearer view of net worth, cash flow, and major money decisions without connecting bank accounts. Track your balance sheet, log monthly cash flow, understand your burn rate, and model important financial scenarios from one clean iPhone app. No bank login. No financial-data APIs. No automated account scraping. Ledger is designed for manual entry, local-first tracking, and privacy-conscious households that want control over their financial picture. BUILD YOUR PRIVATE BALANCE SHEET Ledger helps you track assets and liabilities in one place so you can see your current net worth clearly. Add accounts such as: • Brokerage accounts • Retirement accounts • Cash and savings • Real estate • Business equity • Crypto holdings • Mortgages • Loans • Credit card balances • Custom assets and liabilities Ledger calculates your assets, liabilities, and net worth so you can understand where you stand at a glance. TRACK CASH FLOW LIKE A HOUSEHOLD CFO High-income households often have strong earnings but complicated spending, taxes, savings, and lifestyle decisions. Ledger’s Plan workspace helps you log monthly cash-flow data manually, including: • Income • Taxes • Fixed spending • Variable spending • Savings • Notes for each month From there, Ledger shows practical metrics like: • Burn rate • Savings rate • Investable surplus • 3-month averages • 12-month averages This gives you a clearer view of how much money is actually available after taxes and spending. PLAN MAJOR FINANCIAL DECISIONS Use Ledger’s scenario planner to model decisions before they happen. Create scenarios for: • Taking a sabbatical • One spouse stepping back from work • Buying a bigger home • Allocating a bonus or windfall • Testing a custom financial decision Ledger helps estimate how each decision may affect annual savings, runway, target timing, and required net worth. SAVE SNAPSHOTS OVER TIME Your financial life changes month by month. Ledger lets you save net-worth snapshots so you can track progress over time. Use snapshots to: • Compare current net worth to previous periods • Build a historical record • See changes across time ranges • Track milestones as your balance sheet grows REPORTS AND EXPORTS Ledger includes reports that help you review your financial picture and share records when needed. Reports can include: • Net worth summary • Asset and liability breakdowns • Cash-flow summary • Year-over-year views • Milestones • PDF export • CSV cash-flow export PRIVACY-FIRST BY DESIGN Ledger is made for people who want financial clarity without handing over account credentials. Ledger does not require: • Bank linking • Plaid-style account aggregation • Financial-data APIs • Automated transaction imports You enter only the information you want to track. A built-in privacy mode can mask sensitive values on screen, which is useful when opening the app around other people or recording your own progress. WHO LEDGER IS FOR Ledger is built for households and individuals who want a simple, private way to answer questions like: • What is our current net worth? • How much are we really spending each month? • What is our burn rate? • What percentage of income are we saving? • How much investable surplus do we have? • Can we afford a sabbatical, home upgrade, or income change? • Are we moving closer to our financial targets? SUBSCRIPTION REQUIRED Ledger is a premium app. Access to the main app experience requires an active subscription after onboarding. If offered, subscription pricing, trial availability, and renewal terms are shown clearly at checkout before purchase. Take control of your household financial picture with a private, manual-first system built for clarity, planning, and better decisions. https://socialreporthq.com/ledger/terms