Rilio vs Ledger

Rilio logs your spending for you. Pay with Apple Pay and the expense is saved before you put your phone away, with the amount, merchant and category already filled in. Bank SMS alerts are picked up the same way. A notification on your Lock Screen confirms each one, and a single tap fixes anything you want to change. No bank login. No spreadsheets. No end-of-month catch-up. LOGGED AUTOMATICALLY • Apple Pay: every tap is logged the moment you pay • Bank SMS alerts from supported banks are read and saved for you • One payment, one transaction: a tap and its matching bank alert never double up • Refund alerts are matched to the original purchase • One-time setup with Apple Shortcuts, guided step by step in the app OR JUST SAY IT • Type or speak "12 for lunch at Chipotle" and AI fills in the amount, merchant and category • Double-tap the back of your iPhone to log an expense without opening the app • Import a bank statement PDF to bring in your past transactions KNOW WHERE YOUR MONEY GOES • Income, spending and savings rate for the month at a glance • A forecast of where the month will land • Daily spending, biggest purchases, top categories and weekend habits • Ask Rilio anything, like "How much did I spend on food this month?" • A monthly recap you can share STAY ON BUDGET • Set limits by category and see what's on track and what's close • Home Screen and Lock Screen widgets for this month's spending and budgets SPLIT WITH FRIENDS • Groups for trips, roommates and dinners, with invites by link • See who owes what and settle up in a tap YOUR DATA, YOUR CALL • Rilio never asks for your bank password • Only messages that match your payment keywords are sent to Rilio • Delete your account and data from Settings at any time SUBSCRIPTION Rilio requires a Rilio Pro subscription. New subscribers start with a free trial. Payment is charged to your Apple ID when you confirm the purchase. The subscription renews automatically unless you cancel at least 24 hours before the end of the current period. Manage or cancel it in your App Store account settings. Terms of Use: https://getrilio.com/terms Privacy Policy: https://getrilio.com/privacy

Ledger is the AI money tracker that tells you what you can actually spend today. Forward your bank's transaction-alert emails and Ledger reads them automatically — no bank login, no open-banking connection, ever. Every transaction is categorized the moment it lands, so your spending stays up to date without spreadsheets. WHAT YOU GET • Safe-to-spend, done for you. Ledger takes your budget, subtracts what you've already spent and the bills you've reserved, and shows a single daily number you can trust. • Recurring bills. Ledger spots your repeating payments, reserves money for them, and reminds you before they're due. • Ask your money anything. "How much did I spend on food this month?" Get clear answers powered by AI. • Voice and manual entry. Log a purchase in seconds. • Cycles that match your life. Weekly, monthly, or your own pay cycle. • Savings and investments stay separate, so they never inflate your spending. PRIVATE BY DESIGN Ledger only reads the transaction emails you choose to forward. We never ask for or store your bank login. Export your data to CSV or delete your account any time, right from the app. LEDGER PRO Upgrade for unlimited AI questions and more. $3.99/month or $39.99/year. Ledger Pro is an auto-renewing subscription. Payment is charged to your Apple ID at confirmation of purchase. It renews automatically unless cancelled at least 24 hours before the end of the current period; manage or cancel anytime in your App Store account settings. Terms of Use (EULA): https://ledger.domoney.app/terms Privacy Policy: https://ledger.domoney.app/privacy