Moniva vs Humble Ledger

Managing your money shouldn't feel like a second job. Moniva is your AI-powered financial assistant that automates budgeting, tracks expenses, and manages your freelance income all without manual data entry. Just talk to Moniva, snap a picture of a receipt, or upload a screenshot of your subscriptions, and our smart AI does the rest. WHY CHOOSE MONIVA? • Start Instantly: No email, phone number, or credit card required to start. Try Guest Mode immediately and see the magic for yourself. • 7-Day Free Premium: Everyone gets their first 7 days of Premium automatically unlocked. AI FINANCIAL ASSISTANT & OCR • Chat with your money: Just type "I spent $45 on groceries and $15 on an Uber," and Moniva categorizes and logs it instantly. • Smart Receipt Scanner: Snap a photo of any receipt. Our AI reads the merchants, dates, and line-item amounts to build your budget automatically. SUBSCRIPTIONS & BILLS MANAGER • Find & Manage: Upload a screenshot of your Apple or bank statement. Moniva auto-detects over 50+ popular subscriptions (Netflix, Spotify, ChatGPT, Gyms) so you can see exactly where your money is draining. • Never Miss a Payment: Get smart push notifications before your bills are due. BUILT FOR FREELANCERS • Project & Client Tracking: Finally, an expense tracker built for independent workers. Track project fees versus amounts actually paid. • Auto-Log Income: When a project is marked completed, Moniva automatically logs the payment to your income. GLOBAL MULTI-CURRENCY • Live Exchange Rates: Traveling or working with international clients? Keep accounts in different currencies. Moniva fetches live exchange rates to give you one unified "Net Worth" dashboard in your preferred base currency. DEBT & CREDIT TRACKER • Keep perfect tabs on who owes you money (debtors) and who you owe (creditors). Moniva will remind you when it's time to collect or pay. Take control of your personal and freelance finances today with Moniva. Take control of your personal and freelance finances today with Moniva. Privacy Policy: https://appmoniva.vercel.app/privacy-policy Terms of Service: https://appmoniva.vercel.app/terms-of-service

Humble Ledger is a calm, private expense tracker built for people whose money lives in more than one currency. Log every transaction in its own currency, converted to your home currency at that day's exchange rate, and see your whole net worth in one place. No bank logins, no Plaid, no syncing your accounts to anyone - you keep your ledger by hand, on purpose. WHO IT'S FOR Digital nomads, expats, freelancers with overseas clients, and anyone who travels often enough that a single-currency budget app stops making sense. If you earn in one currency, spend in another, and save in a third, most expense trackers quietly reconvert your whole history at today's rate and lose the truth of what you actually paid. Humble Ledger doesn't. WHY HUMBLE LEDGER • Truly multi-currency. Spend in THB, earn in USD, save in EUR - each transaction keeps its native currency and converts at the exchange rate for that day, so your totals add up in one home currency. • Manual-first and private. Nothing is auto-imported. Your finances stay on your device and in your own account - not brokered through a third party. • Fast capture. A purpose-built keypad makes logging an expense a few taps: amount, category, done. • Budgets that track the calendar. Set a weekly, monthly, or yearly limit per category and watch it against the real period. • Recurring, made deliberate. Rent, subscriptions, salary - Humble Ledger surfaces them when they're due and you confirm them into your ledger, adjusting the amount when a bill varies. • Net worth at a glance. Track account balances over time and see the trend, all in your home currency. • Reports that answer the question. See where the money went by category, and how this month compares to the last, without building a spreadsheet. • Tags for the cuts categories can't make. Mark a trip, a client, a shared bill, and pull those totals out on their own. • Import and export. Bring history in from a CSV and take everything back out whenever you like. Your ledger is yours, in a format you can read without us. Careful money, in any currency. Humble Ledger offers optional auto-renewing subscriptions (monthly and yearly). Subscriptions renew automatically unless canceled at least 24 hours before the end of the period; manage or cancel anytime in your App Store settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.humbleledger.com/legal/privacy