Ledger vs PennyFi

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

PennyFi — your money, in your pocket, on your terms. Pay once, own it forever. No subscriptions, no bank logins, no ads. Your finances stay on your device — and PennyFi's smart features run on Apple's on-device AI, so nothing you enter ever leaves your hands. KNOW WHAT YOU CAN SPEND • Safe to Spend: one number that answers "can I buy this?" — what's left after bills, budgets, and goals • Cash flow forecast: see your balance weeks ahead, before the bills hit • A customizable Home dashboard: net worth, cash on hand, upcoming bills, top expenses, and more BUDGET YOUR WAY • Guided Budget Builder: answer a few questions, get a working budget • Classic methods (50/30/20 and friends) or fully custom categories • Budget calendar, spending pace, and gentle alerts before you overshoot • Budget together: share accounts and budgets with your partner over iCloud — you both view and edit, no extra account needed EVERY ACCOUNT IN ONE PLACE • Cash, savings, credit cards, loans, and investments — in any mix of currencies • Savings interest tracking, debt payoff strategies (avalanche or snowball), and loan payments with an adjustable interest–principal split • Investment portfolios with live prices and performance history EFFORTLESS ENTRY • Scan a receipt — amount, payee, and line items are filled in by on-device AI • Import bank statements from CSV or PDF, with smart duplicate detection • Rules auto-categorize as transactions arrive; PennyFi even suggests the rules • Split one purchase across categories, tag anything, log by voice with Siri • Review: sweep new transactions in a quick card session — and note how the spending felt UNDERSTAND YOUR MONEY • Ask PennyFi anything about your spending — answered privately, on your device • Smart Insights that stay calm: snooze them or dismiss them for good • Spending anomaly alerts, subscription detection, weekly recap, no-spend streaks, age of money • Reflect: beautiful reports on where it all went, month by month and year by year LIFE ADMIN, HANDLED • Recurring bills with reminders, calendar sync, and a Live Activity for the next bill due • Shared expenses with friends and settle-up math done for you • Savings goals with target dates and progress you can see PRIVATE BY DESIGN • No bank connections — that's a feature: nothing to breach, no credentials to hand over • Face ID / Touch ID app lock • iCloud sync across your iPhone, iPad, and Mac; local backups and full CSV export any time — your data is yours to keep AT HOME ON EVERY DEVICE • Built natively for iPhone, iPad, and Mac • Widgets for Safe to Spend, net worth, and more • Siri Shortcuts, global search, and full keyboard support on Mac • Available in 30 languages One price. Every feature. Forever. That's the deal.