Ledge Budget & Expense Tracker vs OweTrack

Ledge is a simple, privacy-first budget tracker that helps you understand and control your money. TRACK EVERY TRANSACTION Log income and expenses in seconds. Search, filter, and browse your full transaction history. Add notes and categories to stay organised. SMART BUDGETING Set monthly budgets by category and get instant alerts when you're approaching or exceeding your limits. Navigate through past months to review your spending history. SAVINGS GOALS Create savings goals with a target amount and deadline. Track your progress with a visual bar and make contributions directly from the app. RECURRING TRANSACTIONS Never miss a bill. Set up recurring expenses and income — daily, weekly, monthly, or yearly — and mark them paid with a single tap. ANALYTICS See where your money goes with spending breakdowns by category and a 6-month income vs. expense chart. PRIVACY BY DESIGN All your financial data stays on your device. Nothing is sent to any server. No account required, no sign-up, no ads. SECURE ACCESS Protect your data with Face ID, Touch ID, or your device passcode. EXPORT YOUR DATA Export all transactions to a CSV file to use in Excel or any spreadsheet app. CUSTOMISE YOUR EXPERIENCE Choose your currency, set a light or dark theme, and create your own spending categories with custom colours and icons.

OweTrack is a lightweight IOU tracker for friends and family. Keep track of who owes whom, record repayments, and see what remains to be paid. Use it when someone covers dinner, tickets, travel, rent, or a shared purchase. Your ledger is stored on your iPhone, with no account, analytics, or tracking. Features: - Create IOUs with a title, borrower, lender, amount, optional due date and reminder, and notes - Add, edit, and delete repayments; see remaining balances and payment history - See active, overdue, and paid-off IOUs - Search titles, people, and notes; filter by status and sort by date, balance, or title - Archive paid-off IOUs and retrieve them with the Archived filter - Schedule local reminders when saving a new IOU with a future reminder date; change or cancel reminders and check their status - Share a repayment summary or your complete ledger as plain text - Export CSV with IOUs and payment history, including archived IOUs - Optionally require Face ID or your device passcode to open the app - Save JSON backups through Files and preview missing IOUs before restoring them Restoring a backup keeps existing IOUs unchanged. Restored reminder dates do not automatically schedule notifications. Backups are manual; OweTrack does not sync your ledger between devices. You choose where shared text and exported files go, including any cloud file provider you select. CSV and backup files are not encrypted by OweTrack. App Lock protects the app screen, not exported files or notification previews. OweTrack does not process payments, move money, or connect to banks. It is a simple ledger for recording IOUs and repayments.