Mieru vs Freedom Date

See your money clearly, without handing over your bank login. Many expense trackers make you choose between linking your bank and entering each purchase by hand. Mieru offers another path. Choose a supported CSV or PDF statement. Mieru finds transaction rows on your device, suggests categories when it finds similar entries in your ledger, and lets you review every proposed change before it updates your ledger. On compatible devices, on-device AI helps Mieru read PDF statements. CSV imports work locally without a bank connection. Mieru never connects to your bank. You provide no bank credentials and maintain no bank feed. After you set up Mieru’s payment shortcut, an Apple Pay payment can open a prefilled expense for review. Your Shortcut passes the amount, merchant, and selected card to Mieru. You confirm before saving. Built for real life: • Track spending across cards, cash, and other accounts in their original currencies • Add transactions with categories, tags, dates, places, and recurring schedules • See spending charts and category breakdowns across the periods you choose • Review active and paused recurring costs • Share an encrypted ledger with a partner through a shared iCloud Drive or Google Drive folder • Export your data as CSV or an encrypted backup Private by design: Store your ledger only on this iPhone, in iCloud Drive, or in Google Drive. Backups and cloud copies are encrypted with your passphrase. Mieru has no ads, trackers, or in-app analytics that send your financial activity to us. Manual tracking stays private. Statement import adds automation when you want it. Why Mieru: Mieru comes from 見える (mieru), a Japanese verb meaning “to be visible.” We’re a married couple, both engineers, and we built Mieru for our own lives: to keep shared money clear and calm without handing our bank logins or financial records to a personal-finance company. Nothing else fit, so we made it. See your money clearly. Keep it yours.

Do you know the date you'll no longer need to work? Freedom Date looks at your savings, spending and investments and gives you one concrete answer: the date of your financial freedom. Every deposit and every cut expense moves that date closer — and you see it instantly. No account. No bank linking. No email. Download and know your date in 2 minutes. YOUR FREEDOM DATE • Automatically calculated from your net worth, savings rate and expected returns (FIRE method: yearly expenses × 25) • Track progress in percentages — celebrate every milestone from 10% to 100% • Your personal "why I want freedom" note greets you on the home screen PORTFOLIO TRACKING • Stocks, currencies, gold, crypto, funds — all your assets on one screen • Live price updates keep your portfolio current • Allocation charts and monthly progress snapshots BUDGET & RECURRING TRANSACTIONS • Salary, rent, bills — define once, the app records them every month • Track your income-expense balance and savings rate • Smart reminders for upcoming payments "WHAT IF?" SIMULATOR • What if my salary grew 20%? • What if I saved $200 more each month — how many years would I gain? • Play with every variable, save scenarios, compare them side by side MONTHLY REPORT CARD • A personal report every month: savings rate, portfolio change, freedom date movement • Save or share your report as an image • Export to PDF and Excel — your data is always yours FINANCIAL GUIDE • Content personalized to your level • A 2-minute quiz calibrates what you see • Learn FIRE, investing and saving in plain language YOUR DATA IS YOURS ALONE • Everything is stored on your device in an encrypted database • No account, no server, no ads, no tracking • No bank linking required — you enter your data, you control it • Encrypted backup lets you move to a new device safely NO SUBSCRIPTION Core features are completely free. For power users there's Pro — one-time purchase, yours forever: • Unlimited assets and accounts • Live price tracking • Unlimited saved scenarios • Inflation-adjusted projections • PDF and Excel report sharing • Encrypted backup No monthly fee. No renewal. Buy once, use forever. — Financial freedom isn't a dream. It's a date. Find yours today. Questions or ideas: m.ikbalcan@gmail.com