Budget vs MonthLedger

BudgetX is a private, practical money manager that helps you understand your finances without complicated spreadsheets. TRACK YOUR MONEY • Record expenses and income in seconds • Organize spending with category budgets • Attach receipt photos and schedule recurring transactions • See monthly spending and recent activity at a glance ASK YOUR BUDGET Type or speak questions about spending, budgets, savings goals, lent money and group balances. BudgetX answers using your current app data. On supported devices, Apple Intelligence helps interpret and phrase requests on device. PLAN AHEAD • Set category budgets and monitor progress • Create savings goals and record contributions • Track money lent and partial repayments • Support multiple currencies SPLIT GROUP EXPENSES Create groups, choose who paid, split expenses between selected members, review balances and generate settlement instructions. Export a detailed group summary whenever you need it. REPORTS AND SHORTCUTS Review spending trends, category breakdowns and period comparisons. Export polished PDF reports or spreadsheet-friendly CSV files. You can also generate the current month’s PDF report using Siri or Shortcuts. BACKUP AND TRANSFER Create a password-protected BudgetX backup and save it using Files. Import a compatible backup on another device, with validation designed to avoid overwriting an existing financial workspace. BUILT FOR PRIVACY BudgetX does not require an account. Financial records stay on your device unless you choose iCloud Sync. Face ID lock is available for additional privacy. BudgetX provides organizational information, not financial, tax or investment advice. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://budgetx-access.nikhilnalwar.workers.dev/privacy

Record your money, understand your spending. MonthLedger opens to quick entry and brings your accounts, budgets and financial history together. All features are free, with no ads, subscriptions, registration or bank connection. RECORD THE WAY YOU PAY Record income, expenses, transfers, refunds and balance adjustments. Split one purchase across multiple accounts and categories, with separate tags for each category. Calculate amounts with the built-in keypad, keep unfinished drafts, copy an entry before saving, and add currencies or categories from their pickers. Editable defaults and category-based rules reduce repeated input. SEE WHAT CHANGES Explore income, spending, cash flow and net worth, then drill down by category, tag or budget. Use custom date ranges, monthly and annual reports, and your own reporting start day. Switch between actual income and expenses and costs spread over the actual use of durable items. Record a recovery or resale against the original purchase. Credit-card installments track remaining principal and each posted expense separately from an item's use period; an optional credit limit shows available credit. KEEP YOUR LEDGER ORGANIZED Group accounts, manage money borrowed or lent, schedule entries and carry budgets forward. Search transactions by amount or keyword, and batch-edit notes, tags and categories. Drag transactions to reorder them within the same day; account, category and tag order is shared by management screens and entry pickers. Archive history, inspect retained original entries, and use recovery points and Recently Deleted. Choose which features to show, customize category icons and colors, and explore complete workflows with a separate sample ledger. Widgets and Shortcuts provide more entry points. YOUR DATA STAYS WITH YOU The ledger stays on your device and is shared only with the app's own widgets. No tracking or third-party analytics. Export CSV or full JSON backups. A complete CSV example includes filling instructions, readable account names and row references, without requiring you to invent IDs. Preview imports before applying them. Optional daily backups use an iCloud Drive folder you choose; keep 7 days by default, change retention, delete backups in the app, and preview restores. This is file backup, not live ledger sharing or synchronization. Usage & Diagnostics is enabled by default and sends predefined operation types, results, durations and app environment information to the developer, without amounts or ledger content; turn it off in Settings. Public usage metrics are grouped by app version: https://monthledger.orins.top/metric?lang=en Search fiat currencies and 16 major cryptocurrencies, including BTC and ETH. Optional online reference rates use ExchangeRate-API and Coinbase, with Currency API and Kraken as fallbacks. Requests contain currency information, not your ledger or holdings; providers may process necessary network information. Prices are estimates and remain editable. No wallet connection or trading. Questions or ideas: monthledger@orins.top MonthLedger is for personal record keeping, not professional financial advice.