IOU Ledger vs Monoline

Frequent money flows, but regular expense trackers are too complicated? "IOU Ledger" focuses purely on personal lending, borrowings, debts, and business receivables/payables—giving you the cleanest money tracking experience. 【Professional Management Features】 • Balance & Assets Dashboard: Instant overview of net assets, pending receivables, and outstanding debts. • Detailed Contact Ledgers: Separate statement for each person—track principal amounts, repayments, and history clearly. • Complete Loan Lifecycle: Full support for lending, borrowing, collections, and repayments. Easily edit or correct any entry. • Seamless Multi-Currency: Track international currencies effortlessly for overseas trips and cross-border debts. • Secure Private iCloud Sync: End-to-end encrypted in your personal iCloud. Seamless multi-device sync, zero risk of data loss. Clarify every debt and take control of your cash flow! Tap to purchase and experience effortless debt & loan tracking.

One line is all it takes. Write "lunch burrito 12" the way you'd text a friend, and Monoline fills in the amount, category, and place. No forms, no endless setup. • One-line entry — write naturally, it gets sorted • Several at once — "coffee 4.5, subway 2.75" becomes two entries • Voice — tap the mic and say it; fix the transcript right there • Receipts — snap one or several photos, items and totals are read for you • Shared ledgers — one invite link and your partner or family logs into the same ledger; see who added what • Day — one photo and one line about today, with an AI look-back at the end of the month • Ask AI — ask anything about your spending, answered from your own entries • Reports — monthly and yearly reports of tables and charts, built from your own entries • Foreign currency — write "¥1,200" and it converts at that day's rate, original kept in the memo • Separate ledgers — travel, emergency fund, each with its own currency; period ledgers for trips and events • Clean stats — spending by category and by month at a glance • iCloud Drive backup — restore after a new phone or a reinstall • No account needed — your entries live on your phone; sign in only when you share a ledger Start right away. No sign-up. Monoline Plus (optional subscription): unlimited ledgers and Apple Pay auto-record — payments logged through a Shortcut even when the app is closed. The free app keeps everything above, including AI chat, reports and shared ledgers, with 2 ledgers and a 10-entry auto-record trial. Monthly or yearly, cancel anytime in Settings. Questions: contact@plien.io Terms of Use: https://plien.io/spent/en/terms Privacy Policy: https://plien.io/spent/en/privacy