Ledger vs EXOSTOCKS

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

EXOSTOCKS shows you why a stock scores the way it does. Most stock apps hand you a number and ask you to trust it. We do the opposite: every stock is checked against the same 166 published rules in 27 modules, from balance sheet and cash flow to margins, management and valuation. Open any score and you see each rule with its figure, its threshold and its verdict. When data is missing, the rule says so instead of guessing, and a stock without enough data gets no score at all. WHAT YOU GET • Quality Score (0–10): how sound the business is, traced back rule by rule. • Price score (0–10): is the price worth the quality? Fair value from three valuation methods, the stock's own valuation history and analyst expectations, in one number. 5 means fair value. • ETFs rated by what's inside: a fund has no balance sheet of its own, so we score every holding and weight it by its share of the fund. • Rankings: 6,600+ stocks and 2,400+ ETFs from 20+ exchanges in sortable tables, filtered by exchange, sector, size and score. Tap a row to unfold the details. • Matrix and market map: the whole market on one screen, quality against price, or size against today's move. • Live charts in several styles, plus financials, growth, risk class, news and a calendar for earnings and dividends. • Watchlists, a portfolio and price alerts by push notification. • Your desk: a personal start screen made of widgets, with market breadth, sector rotation and upcoming events. • Backtesting in public: every night we check our scores against what prices did next, including the parts that didn't work. MADE FOR EVERY SCREEN On iPad and on the inner display of iPhone Duo, EXOSTOCKS uses the extra width: the rankings sit next to a preview with a chart and the arguments for and against, and symbol pages run in two columns. Light and dark mode, in English and German. WHAT IT IS NOT EXOSTOCKS is an analysis tool. It does not trade, gives no buy or sell signals and is not investment advice. The scores describe a company's past and present under our rules, not its future.