FinancePal vs ioLEDGER

FinancePal is a personal finance planning app built specifically for Indian salaried professionals. Enter your CTC and see your real take-home — after tax, EPF, and every deduction — in seconds. INCOME & TAX - Full FY 2025-26 tax calculation for both New and Old regimes - Automatic regime recommendation — see exactly which regime saves you more and by how much - EPF impact on take-home clearly shown - Surcharge, marginal relief, 87A rebate, and 4% cess — all calculated correctly EXPENSES & SAVINGS - Track monthly expenses by category - Plan one-time future expenses (home, travel, car) by financial year with funding source allocation - See your annual cash savings and wealth created each year INVESTMENTS & PORTFOLIO - Track SIP investments with projected corpus at weighted returns - Enter your starting portfolio — equity, debt, EPF, PPF, gold, real estate - Net worth dashboard with liabilities 20-YEAR WEALTH FORECAST - See your financial life projected 20 years forward - Annual cash flow waterfall — income, expenses, savings, and investments in one view - Portfolio growth by asset class with constituent level detail - Key milestones — set your own income, savings, and portfolio targets and see which year you'll hit them - One-time expenses automatically reduce forecast savings in the right year PRIVACY FIRST - All data stored on your device — nothing sent to any server - Optional iCloud sync to your personal account only - No ads, no analytics, no data collection of any kind FinancePal is free. No subscriptions required to access any core feature.

ioLEDGER is a personal expense tracker and ledger designed for people who want full control over their finances. - Log daily expenses and income with categories - Set monthly budgets and get spending alerts - Track credit card billing cycles and due dates - Manage borrowed and lent money with the People Ledger - Log expenses instantly with Quick Add — back tap your iPhone or ask Siri, no app launch needed - Track recurring payments and subscriptions with due date reminders - Backup your data to Google Drive or iCloud - Home screen widget to see your balance at a glance - Sign in with Google or Apple to sync across devices Simple, fast, and private — your data stays yours.