Ledge Budget & Expense Tracker vs Budget Envelope Planner

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.

Give every dollar a job — before you spend it. Budget Envelope Planner brings the proven cash envelope method (cash stuffing) to iPhone and iPad. Split your monthly income into virtual envelopes — Rent, Groceries, Gas, Eating Out, Savings, Debt Payoff — and always know exactly what's left to spend. When an envelope runs low, you see it before you overspend, not after. ZERO-BASED BUDGETING MADE SIMPLE • Enter your monthly income in US dollars • Assign every dollar to an envelope until "Left to Assign" reads $0.00 • A budget where income minus envelopes equals zero — every dollar has a job TRACK SPENDING IN SECONDS • Log an expense with two taps: amount, envelope, done • Add notes like "Walmart" or "Electric bill" so you remember every purchase • Clear progress bars show spent vs. remaining for each envelope ROLLOVER THAT BUILDS A BUFFER • Leftover money can roll into next month automatically • Perfect for sinking funds: car repairs, travel, holiday gifts • Start each new month with your plan copied and carryover applied REPORTS THAT MAKE IT CLICK • Spending by envelope with a beautiful donut chart • Budget vs. actual for every envelope • Month-to-month spending trend PRIVATE BY DESIGN • No account, no sign-up, no bank login • All data stays on your device — nothing is uploaded • Export your budget as CSV anytime BUDGET ENVELOPE PLANNER PRO (subscription required) This app requires a Budget Envelope Planner Pro auto-renewable subscription to use: • Pro Yearly: $29.99/year with a 3-day free trial • Pro Monthly: $3.99/month The subscription unlocks the complete app: unlimited envelopes, monthly rollover, reports and charts, and CSV export. Payment is charged to your Apple Account at confirmation of purchase (no charge during the free trial if cancelled at least 24 hours before it ends). Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in Settings > Apple Account > Subscriptions. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://appios432.blogspot.com/p/privacy-policy_0317922850.html Take control of your money the simple way — plan it, spend it, and know where it went. Download Budget Envelope Planner and give every dollar a job today.