WealthForge vs Ledger

Your money should not require a bank login, another account, or another monthly fee. WealthForge is a private money command center for tracking personal and business finances on your phone. Record income and spending, understand cash flow, watch net worth, plan debt payoff, and keep goals in a clear order. Your financial records stay on your device. KNOW WHERE YOU STAND Command gives you net worth, cash flow, credit use, upcoming bills, and recent activity in one view. Focus uses your own numbers to surface one practical next move. LOG MONEY FAST Forge starts with the amount. Add income or spending in seconds. WealthForge remembers merchants and categories so repeat entries take only a few taps. Recurring transactions handle the expenses and income you already expect. SEE EVERYTHING YOU OWN AND OWE Vault brings cash, investments, retirement, crypto, vehicles, business value, collectibles, credit cards, and other debts into one honest picture. Track credit utilization, asset allocation, and net worth over time. Optional market prices only look up symbols you choose. TURN PLANS INTO ACTION Create goals, put them in order, and focus your available money on one target at a time. Compare debt snowball and debt avalanche plans. See progress toward emergency savings, debt freedom, major purchases, and goals that matter to you. PERSONAL AND BUSINESS TOGETHER Keep personal and business transactions in separate ledgers without switching apps. Review budgets, bills, trends, reports, and cash flow for each side of your life. PRIVATE BY DESIGN WealthForge does not require an account or bank connection. It has no ads and no analytics trackers. Core tracking works offline. Optional live stock and crypto quotes can be turned off. Add a PIN or biometric lock, hide financial details in the app switcher, export CSV and PDF reports, and create a portable backup whenever you want. ONE PURCHASE Download WealthForge and unlock every feature with one purchase. There is no subscription or recurring app fee. Existing lifetime buyers keep full access. Your money. Your device. Your plan. Privacy Policy: https://wealthforgeapp.com/privacy Terms of Use: https://wealthforgeapp.com/terms Terms of Use: 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