Manilo vs Zero Budget

Manilo (formerly Ledgy) logs expenses the moment you speak them. Say what you spent, and AI fills in the amount, merchant, and category — no typing, no forms. Or snap a receipt. Or type a note. Whatever gets it in fastest. Manilo is an expense tracker and budget app built on voice and AI. Log transactions in seconds, set monthly budgets, share spending history with family or housemates, track accounts in any currency, and review everything on the web — all synced across your devices. — Voice and AI — Speak any transaction out loud: "Coffee at Blue Bottle, four seventy-five" or "Uber to the airport, twenty-two dollars." Manilo parses the amount, merchant, date, and category in under two seconds. Trigger it from the iPhone action button or a Siri shortcut — no app to open first. AI categorization learns your patterns. The first few times you log Whole Foods, it asks which category. After that, it knows. On-device voice processing — audio is never transmitted or stored. — Talk to Manilo from Any AI — Manilo ships a Model Context Protocol (MCP) server. If you use Claude, ChatGPT, Cursor, or any MCP-compatible assistant, you can log, query, and edit transactions from inside your AI — without opening the app. No other expense tracker in the App Store offers this. Requires Manilo Cloud. — Receipt Scanning — Snap any receipt — grocery store, restaurant, hardware store. Manilo reads the total, merchant name, and date, then adds the transaction to your log. Confirm in one tap or let it save automatically. — Budgets — Set monthly spending limits by category. Manilo shows how much is left, not just how much was spent. Green when on track, orange when close, red when over. No spreadsheets. No end-of-month surprises. — Multi-Currency — Add accounts in any currency. Travel card in euros, savings in dollars, UK credit card in pounds. Manilo applies live exchange rates and shows everything converted to your home currency. Long-press any foreign balance to see its equivalent. — Shared Expenses — Create a group for the people you spend with — a household, a couple, a trip abroad. Everyone logs their own expenses into one shared history that all members can see. Budgets, categories, and charts apply across the whole group, in any currency. Track your London weekend in pounds and the household groceries in dollars — Manilo converts everything to one home view. Requires Manilo Cloud subscription. — Charts and Web Dashboard — The mobile app shows a category donut chart with filters by month, quarter, or custom range. The web dashboard at ledgy.app goes deeper: spending trends by day, category breakdowns, income vs. expense comparisons, and shared group summaries. Same data, every surface. Log your first expense in under ten seconds. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Most money apps tell you what you already spent. Zero asks a better question: what is this money actually for? Zero Budget is a zero-based budgeting app for your household, whether that is you, you and a partner, or a whole family. At the start of the month you give every dollar a job: rent, groceries, the insurance bill that lands in March. When all of it has a place, you are at zero, and there is nothing left to wonder about. ZERO-BASED BUDGETING • Plan the month before it starts, down to the last dollar • Move money between lines when real life wins a round • A weekly check-in that takes minutes, not an evening ADD A PURCHASE IN SECONDS • Tap the plus and say it: "42 at Costco into groceries" • Or snap the receipt and Zero reads the total, the store and the date • Both happen on your phone: your voice is never sent anywhere and the photo is never uploaded SINKING FUNDS • Car repairs, insurance, the holidays, a laptop that will eventually die • Put a little aside each month; the balance carries forward instead of resetting on the first • The big bills stop ambushing you DEBT PAYOFF • Enter the balance, the rate and the minimum payment • See a payoff date that moves as you pay it down BANK SYNC • Connect a bank in the United States or Canada and let transactions arrive on their own • Or enter them yourself • Rules learn the merchants you see every week and file them for you HOUSEHOLD SHARING • Budget on your own, or share one budget with your partner or household • Everyone sees the same numbers at the same time • One price per household, never a charge per partner REPORTS AND NET WORTH • What came in, what went out, where it went • A six month trend so you can tell whether things are getting better • Net worth brings your accounts, assets and debts into one number PRICING • Free: plan a month and enter transactions by hand, no card, no time limit • Zero Premium adds voice and receipt capture, automatic bank sync, rules that categorize for you, reports, net worth, paycheck planning, CSV import and export, and the shared household budget • Premium is US$10 a month or US$96 a year (CA$14 a month or CA$129 a year in Canada), shown in your local currency before you buy • One subscription covers the whole household • New subscribers can start a 14-day free trial of everything, bank sync included. A card is on file and the trial renews unless cancelled; cancel and the free plan keeps working with no time limit Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period. You can manage subscriptions and turn off auto-renew in your Apple Account settings. Privacy Policy: https://zerobudget.ca/privacy Terms of Use: https://zerobudget.ca/terms