Humble Ledger vs WorthPilot

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

WorthPilot is your offline-first personal finance app. No bank connection required — you're always in control of your financial data. Track every dollar manually, set smart budgets, and watch your net worth grow. KEY FEATURES Manual Expense Tracking Log income, expenses, and transfers in seconds. Categorize every transaction. Stay on top of where your money goes. Budget Management Set monthly budgets by category. Get real-time progress as you spend. Know when you're close to the limit before you cross it. Net Worth Dashboard See all your accounts — checking, savings, investments, loans — in one place. Track your net worth trend month by month. Forecasting & Goals Cash flow forecasting, debt paydown planner, and a financial health score to keep you on track. Recurring Rules Set up recurring income and bills. The app tracks what's paid and due so nothing slips through the cracks. Cloud Backup & Sync (Pro) Back up your data and sync across devices. Encrypted in transit and at rest. PRIVACY FIRST WorthPilot never connects to your bank. Your data stays on your device unless you choose to enable cloud sync. FREE • Manual transaction tracking • Accounts & net worth tracking • Up to 5 budgets • Basic reports • Offline PRO • Unlimited budgets • Cloud backup & sync • Advanced reports • CSV import & export • Transaction rules & recurring rules Terms of Use: https://www.worthpilot.app/terms/