Ledger vs AssetMe

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

When I was little, I had a tin box — the kind that once held biscuits. Inside were coins I'd saved for ages, a five-yuan bill, a dozen marbles, and some game cards — all won fair and square. Every few days I'd open it and count. Nothing ever changed, but counting made me feel safe. Later, when I went to school, the tin box became a piggy bank. Whatever was left from my allowance went in, and at the end of the year I'd crack it open to see if the count matched up. Then the ledger became a phone. But scrolling through the App Store, I realized: everyone tells you where your money went, but no one asks what you actually have. I want to give you back that tin box. This time it holds savings, real estate, stocks — and that quiet comfort of opening it up, taking a look, and feeling at ease. —— ◆ Net Worth at a Glance One number that tells you where you stand. Assets, liabilities, ratios — all in one view. Multiple currencies and wallets with automatic exchange rate conversion. ◆ Four Built-in Categories + Custom Cash · Investments · Property · Loans — from bank deposits to real estate, from stocks to debt tracking. Each entry supports dedicated fields: interest rate, maturity date, valuation, premium, and more. Pro unlocks unlimited custom categories. ◆ Timeline Forecast Set recurring income and expense rules. AssetMe generates a 12-month cash level projection chart. Maturity reminders push to notifications and your calendar. ◆ Offline Security Zero network. Zero tracking. All data stays on your device — never uploaded to the cloud. Lock the app with Face ID or Touch ID. ◆ Crafted Experience Dark "Vault" theme + Light "Ivory" theme. Smooth transitions, haptic feedback. ◆ Three Languages Simplified Chinese · Traditional Chinese · English. Follows your system language automatically. ◆ Pro (Optional) Unlock unlimited wallets, assets & cash flow rules. Extend timeline events from 3 to 36 months with a full cash level projection chart — one-time purchase, no subscription.