Pledgr vs YiBi · Private Ledger

Pledgr is a fast, private expense tracker for people who want clarity about their money without giving it to anyone else. No sign-up. No vendor server. Your data lives on your iPhone and syncs through your own private iCloud. LOG IN SECONDS • Add expenses, income, and transfers with a few taps • Categories with clean, colorful icons — plus your own custom categories • Tags, notes, and photo receipts for deeper organization • Pick the account you paid with: cash, bank, credit card SEE WHERE MONEY GOES • Cash-flow summary the moment you open the app • Weekly, monthly, yearly, and custom analysis • Spending trends, day-wise charts, and category breakdowns • Payment-mode analysis and summary statistics • Export any period to CSV STAY ON BUDGET • Monthly and annual budgets with progress you can read at a glance • A daily budget target that keeps you honest • Optional budget alerts before you cross the line EVERYTHING ELSE YOU NEED • Accounts with balances and privacy masking • Scheduled transactions with reminders for recurring bills • Debts — track money you lent or borrowed, with due dates • Home-screen widget for today's spending • Spotlight search of your transactions • Daily reminder so logging becomes a habit • App lock with Face ID • JSON backup export and restore — your data is portable, always PRIVATE BY DESIGN • No account and no Pledgr server — there is nothing to sign up for • Your financial data stays on device and in your private iCloud database • The free app shows a small banner ad; your financial data is never shared with advertisers Pledgr is built for one thing: making it effortless to know where your money goes — while making sure nobody else does.

Expense tracking should take seconds, not interrupt your day. YiBi keeps the amount, categories, note and calculator on one clean screen. Add or subtract as you type, choose a category and subcategory, then tap “Again” to save and continue without leaving the entry screen. KNOW TODAY AND THIS MONTH • Monthly spending, budget remaining, income and balance • The latest three days with category, subcategory and time • Smart suggestions based on past habits and time of day • Suggested amounts appear only when a pattern is reliable FIND ANY ENTRY • Filter by today, week, month, year or a custom range • Search category, amount, note, account or place • Swipe to edit or delete • Adjust the date or location after saving • Optionally view spending on a map TURN RECORDS INTO INSIGHT • Separate expense and income analysis • Interactive trends with drag-to-inspect values • Calendar heatmap and category charts • Drill from a main category into subcategories YOUR DATA, YOUR CHOICE YiBi works offline and stores your ledger on your device by default. If you enable iCloud, entries sync through your private CloudKit database across Apple devices. You can switch sync off at any time. Ledger contents are not uploaded to a developer-operated server. MORE WAYS TO MAKE TRACKING EASIER • Face ID ledger lock • Optional location per entry • Receipt scanning and voice entry • Intelligent Excel import and complete Excel export • Worldwide currencies with local symbols • Siri Shortcuts and Back Tap • 11 interface languages Keep the tracking quick. Let the insights do the work.