Ledger vs Clarofi

Life doesn't follow a monthly schedule. Rent, groceries, subscriptions, payment plans and unexpected expenses rarely line up neatly. Ledger is designed around your pay cycle, helping you see what's coming in, what's due, what's being set aside and what's left before your next payday. Whether you're paid weekly, fortnightly or monthly, Ledger brings your income, expenses, savings and future commitments into one clear plan, without the complexity of a traditional monthly budget. Plan around your pay cycle • Build your plan around weekly, fortnightly or monthly pay cycles • Add salary, hourly, casual and variable income • Set custom base, penalty, overtime, weekend, evening, public holiday or fixed hourly rates • Log hours against each rate and see your estimated gross pay update • Manage multiple income streams in one place • Link taxable incoming adjustments, such as bonuses, to the income stream they were paid with • View Australian tax estimates for each taxable income stream and taxable incoming adjustment Estimated tax only. Not financial or tax advice. Stay ahead of expenses • Track recurring and one-off expenses • See bills, subscriptions and payment plans in the pay cycle they belong to • Mark expenses as paid or defer them when plans change • Set reminders for upcoming payments and choose when Ledger notifies you • Review daily reminders in Inbox and open payment details directly • Keep future payments visible before they catch you off guard Organise what you're setting aside • Set aside money in custom allocation pockets • Create Savings pockets with optional target amounts and dates • Plan regular contributions, add extra savings and track withdrawals or adjustments • Adjust a planned contribution for one pay cycle without changing the regular plan • Optionally track spending within each allocation while keeping the focus on your wider plan • See how expenses, allocations and savings affect what you'll have left Your Ledger account • Create or sign in to a Ledger account to use Ledger • Sign in with Apple, email and password, or a passkey • Use your Ledger across supported iPhone, iPad and Mac apps • Ledger for Web coming soon so you can manages your budget wherever works for you Go further with Ledger Pro • Add more income streams, Savings pockets, allocations and payment plans • Create custom categories that fit the way you plan • Defer eligible payments when plans change • Roll over unused account balances into the next pay cycle • Plan with more flexibility as your Ledger grows Terms of Use: https://useledger.co/terms/ Privacy Policy: https://useledger.co/privacy/

Clarofi — clarity for your money Clarofi brings your spending, bills, budgets and goals into one calm, clear view, so you always know where you stand. It answers the question that matters most every day: how much can I safely spend? KNOW WHAT’S SAFE TO SPEND Your dashboard shows a daily safe-to-spend figure based on your budget and what you’ve already spent this month, with simple traffic-light signals so you can see at a glance if you’re on track. PLAN AHEAD WITH SCENARIOS Thinking about a new car, a pay rise or a move? The Scenario Planner shows how a change would affect your money over the year ahead, before you commit. TRANSACTIONS THAT SORT THEMSELVES Import your bank statements and Clarofi categorises them automatically using on-device AI that learns from your corrections. Fix a category once and it remembers next time. BUDGETS THAT FIT YOUR LIFE Budget by category and see your progress in real time. Split your pay into bills, spending, savings and growth, and see exactly what to move on payday. STAY AHEAD OF BILLS Clarofi spots your regular bills automatically, shows what’s coming up and reminds you before they’re due. THE BIGGER PICTURE • Savings goals with progress tracking • Net worth: what you own minus what you owe • Forecasts of the months ahead • Handy money calculators TAX TIME MADE EASY Mark deductible expenses as you go, scan receipts, and export a tidy tax-time pack for your accountant. ASK CLAROFI AND SIRI Ask questions about your own money in plain English, or say “Hey Siri, what’s safe to spend in Clarofi?” Answers come from your iPhone. PRIVATE BY DESIGN Your financial data stays on your iPhone and syncs only through your own private iCloud. Clarofi’s AI runs on your device. Lock the app with Face ID. We never sell or share your data. WORKS WHERE YOU ARE Your currency, your date format and your tax year, wherever you live. PLANS Clarofi Basic: budgets, buckets and payday split, statement import with on-device AI sorting, bills, goals, net worth, scenarios, iCloud sync and calculators. Clarofi Plus: everything in Basic, plus receipt and payslip scanning, the tax-time pack, forecasts, reports and smart rules. Subscriptions renew automatically each month. Payment is charged to your Apple Account at confirmation of purchase. Your subscription renews unless auto-renew is turned off at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Privacy Policy: https://clarofi-budget-path.base44.app/privacy Terms of Use (EULA): https://clarofi-budget-path.base44.app/terms