Perk Ledger vs Yupa

Perk Ledger helps you track credit card benefits, recurring statement credits, annual fees, and real-world perk usage in one clean dashboard. Keep track of monthly, quarterly, semi-annual, and annual benefits across all your cards while seeing how much value you are actually getting each year. FEATURES • Track multiple credit cards • Add recurring benefits and credits • Support for monthly, quarterly, semi-annual, and annual perks • Log full or partial usage entries • Back-date usage entries • Track remaining credits for the current period • View effective annual fees based on actual usage • Portfolio-level summaries and analytics • Archive inactive cards • Edit or delete usage history • Privacy-focused local storage using on-device SwiftData Perk Ledger is designed for users who want a clean, organized way to manage card benefits without connecting bank accounts or sharing financial credentials. NO BANK CONNECTIONS Perk Ledger does not connect to your bank account or credit card accounts. All tracking is entered manually and stored locally on your device. PRIVACY FIRST Your data stays on your device. No account creation required. Perfect for tracking: • Dining credits • Airline fee credits • Hotel credits • Streaming credits • Lounge access usage • Travel perks • Companion certificates • Annual card value

Yupa helps you take control of your subscription spending. Add your services, set billing cycles, and let AI analyze your habits to find savings opportunities. Features: • Track monthly, annual, and weekly subscriptions • Multi-currency support (USD, EUR, GBP, MXN, COP, and more) • AI-powered insights by Claude to identify waste and overlap • Renewal reminders so you're never surprised by a charge • Spending breakdown by category • Annual projection and daily/weekly cost breakdown • No account required — your data stays on your device Stop losing money on subscriptions you forgot about. Yupa gives you a clear picture of what you're spending and where you can cut back.