ClearOwn vs Own Ledger

ClearOwn helps you track debts, plan repayments, and take control of your finances. Manage both payables and receivables in one place — with support for multiple currencies, installment plans, interest calculations, and AI-powered insights. Features include snowball vs avalanche strategy comparison, repayment schedule generation, local-first privacy, and smart notifications. Terms of Use (EULA): https://i.ggapp.top/own/eula_en.html

Own Ledger is a private, offline-first personal finance tracker. Record income and expenses, understand your cash flow, and plan upcoming payments without connecting your bank. START WITH FREE • Track income and expenses with up to 12 categories and 3 accounts. • Import files with a preview before saving. • Search transaction history and see a summary of your latest month with records. • Create local backups and restore an existing backup from your own Google Drive. No sign-in is required for local bookkeeping. PLAN AHEAD WITH OWN LEDGER PLUS • Organize unlimited accounts, categories, and subcategories. • Review trends, comparisons, forecasts, and custom dashboard widgets. • Plan recurring payments and estimate what remains after recorded commitments. • Track assets, debts, goals, and net worth. • Prepare reports and accountant-friendly exports. • Publish encrypted backups to your own Google Drive and enable automatic sync while the app is active or returns to the foreground. YOUR RECORDS, UNDER YOUR CONTROL Financial records are stored locally on your device. Google Drive backup is optional and encrypted on your device. Access to encrypted backups depends on your Google Drive access and retained recovery credentials. Own Ledger does not sell your financial data. Available in English, Russian, and Ukrainian. Calculations use the records you enter; they are estimates, not a guarantee of available funds. Own Ledger does not connect to banks, move money, or provide financial, investment, tax, or legal advice. Own Ledger Plus offers monthly and annual auto-renewing subscriptions. US reference prices: $4.99/month or $39.99/year. The store displays the final localized price and any eligible offers before purchase. Manage or cancel your subscription in your store account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Own Ledger Terms of Use: https://mishkacig-maker.github.io/own-ledger-legal/terms-of-use.html Privacy Policy: https://mishkacig-maker.github.io/own-ledger-legal/privacy-policy.html