Stow vs Ledger

Take control of every dollar — before it disappears. Stow is a privacy-first envelope budgeting app for iPhone. Divide your paycheck into envelopes, log spending in seconds, and always know exactly what's left. No bank connections. No account to create. No ads. No tracking. Your budget lives on your iPhone, where it belongs. WHY ENVELOPE BUDGETING WORKS The envelope method is nearly a century old, and it still works because it's simple: you decide what each dollar is for, and you stop when the envelope is empty. Groceries, rent, coffee, savings — whatever matters to you. Stow takes that system and makes it fit the way you actually live: in your pocket, at the register, five seconds at a time. WHAT YOU CAN DO ON THE FREE TIER - Create up to 5 envelopes with custom icons and colors - Log unlimited transactions, in seconds, with a large number pad - Choose a monthly budget period that matches how you get paid - Automatic period rollover so you start fresh every month - Full spending history for your current and previous period - Multi-currency support — auto-detected from your region - Dark mode, Dynamic Type, and full VoiceOver support - Works 100% offline — no internet required, ever STOW PREMIUM (optional) Upgrade when you're ready for more power: - Unlimited envelopes - Weekly and biweekly budget periods for paycheck-to-paycheck budgeting - Full transaction history across every past period - Spending reports, trends, and charts - CSV and PDF export for spreadsheets or tax season - Additional budget templates to jumpstart setup - Custom themes and icon packs BUILT FOR REAL PEOPLE, REAL MONEY Whether you're living paycheck to paycheck, saving for a house, paying down a credit card, or just tired of hitting Friday and wondering where it all went — Stow is the shortest path to a working budget. Log your morning coffee in two taps. See your grocery budget at a glance. Know before you swipe. PRIVACY IS NOT A FEATURE — IT'S THE FOUNDATION Most budgeting apps monetize your financial data, sell it to aggregators, or use it to train ads. Stow can't, because your data never leaves your device. There is no server. There is no analytics pipeline. We never see a cent of your spending — and we never will. The only thing that touches our systems is your App Store purchase, handled through Apple's payment infrastructure and our subscription provider (RevenueCat). Budget data stays on-device. ACCESSIBILITY Stow is designed from the ground up for everyone. Every screen supports VoiceOver, scales with Dynamic Type, works in light and dark mode, and meets WCAG AA contrast. Color is never the only way something is communicated. QUESTIONS OR FEEDBACK? Email stow.contactus@gmail.com — a real human reads every message. Privacy policy: https://maxk-37.github.io/stow-legal/#privacy Terms of service: https://maxk-37.github.io/stow-legal/#terms Stow is an independent app, built by a small team who believe personal finance software shouldn't require handing over your bank login.

Life doesn't follow a monthly schedule. Rent, groceries, subscriptions, payment plans and unexpected expenses rarely line up neatly. Ledger is designed around your pay cycle, helping you see what's coming in, what's due, what's being set aside and what's left before your next payday. Whether you're paid weekly, fortnightly or monthly, Ledger brings your income, expenses, savings and future commitments into one clear plan, without the complexity of a traditional monthly budget. Plan around your pay cycle • Build your plan around weekly, fortnightly or monthly pay cycles • Add salary, hourly, casual and variable income • Set custom base, penalty, overtime, weekend, evening, public holiday or fixed hourly rates • Log hours against each rate and see your estimated gross pay update • Manage multiple income streams in one place • Link taxable incoming adjustments, such as bonuses, to the income stream they were paid with • View Australian tax estimates for each taxable income stream and taxable incoming adjustment Estimated tax only. Not financial or tax advice. Stay ahead of expenses • Track recurring and one-off expenses • See bills, subscriptions and payment plans in the pay cycle they belong to • Mark expenses as paid or defer them when plans change • Set reminders for upcoming payments and choose when Ledger notifies you • Review daily reminders in Inbox and open payment details directly • Keep future payments visible before they catch you off guard Organise what you're setting aside • Set aside money in custom allocation pockets • Create Savings pockets with optional target amounts and dates • Plan regular contributions, add extra savings and track withdrawals or adjustments • Adjust a planned contribution for one pay cycle without changing the regular plan • Optionally track spending within each allocation while keeping the focus on your wider plan • See how expenses, allocations and savings affect what you'll have left Your Ledger account • Create or sign in to a Ledger account to use Ledger • Sign in with Apple, email and password, or a passkey • Use your Ledger across supported iPhone, iPad and Mac apps • Ledger for Web coming soon so you can manages your budget wherever works for you Go further with Ledger Pro • Add more income streams, Savings pockets, allocations and payment plans • Create custom categories that fit the way you plan • Defer eligible payments when plans change • Roll over unused account balances into the next pay cycle • Plan with more flexibility as your Ledger grows Terms of Use: https://useledger.co/terms/ Privacy Policy: https://useledger.co/privacy/