Perk Ledger vs SpendCents

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

SpendCents turns a pile of balances into one clear plan: what you owe, what to pay next, and the date it all ends. THE NEXT DOLLAR The question every payday raises — where does my next spare dollar do the most good? SpendCents answers it with arithmetic, not a guess: it names the account, the amount, and the interest that dollar just avoided. YOUR DEBT-FREE DATE Enter each account once — balance, interest rate, minimum payment, due day — and watch The Cascade project every remaining payment through to the month the last balance clears. BOTH ROUTES, SIDE BY SIDE Smallest balance first, or highest rate first? Compare them honestly: months saved, interest paid, and which accounts close when. Or set your own order. A BUDGET THAT FEEDS THE PLAN Log your take-home pay and your spending by category. SpendCents subtracts your minimums and shows what is genuinely free for debt each month — then puts it to work in one tap. EVERY PAYMENT, SPLIT HONESTLY Log a payment and see exactly how much went to principal and how much the interest took. Momentum, milestones and due-date reminders keep the run going. PLAIN ENGLISH APR, amortisation, minimum payment, revolving credit — 33 money terms explained in a sentence each, with no jargon and nothing to sign up for. NOTHING IS CONNECTED TO YOUR BANK You type the numbers in. SpendCents never asks for bank logins, never reads an account, and never sells anything on. Export everything to CSV whenever you like. SPENDCENTS PRO (optional subscription) The free app stays free — unlimited accounts, the debt-free date, The Next Dollar, the budget tracker, payment logging, reminders and CSV export. Pro adds: - What-If Studio: save and compare payoff scenarios side by side - Windfall Planner: the best home for a bonus, refund or gift - Interest Ledger: interest paid against interest avoided, over time - A 12-month forecast table for the whole plan Pro is $6.99 per month or $49.99 per year, each with a 7-day free trial. Payment is charged to your Apple ID at confirmation. The subscription auto-renews unless canceled at least 24 hours before the current period ends; manage or cancel in your Apple ID settings. Any unused portion of a free trial is forfeited when you buy a subscription. SpendCents does the arithmetic on the numbers you enter. Every projection is an estimate, not financial advice. Privacy Policy: https://preview.apppublishing.ai/legal/365/privacy Terms of Use (EULA): https://preview.apppublishing.ai/legal/365/terms