Ledger Budget Tracker vs YiBi · Private Ledger

Ledger is a calm, focused way to see where your money goes — no bank linking, no clutter, no ads. Budget in envelopes. Set a monthly limit for each spending category and watch it fill up as you log purchases. Get a gentle nudge at 85% and a clear alert when you go over. Pay down debt with intention. Track loans and credit cards side by side, log payments, and get reminded 5 days before anything is due — plus a heads-up if a card's utilization crosses 70% or 90%. Save toward what matters. Set savings goals, watch your progress, and add contributions whenever you have extra to put away. See it all at a glance. A single overview screen shows your spending, income, budgeted totals, and a category breakdown chart — the whole picture in one look. Private by design. Your data is yours: it's stored securely under your own account, never sold, never shown to advertisers. Lock the app with Face ID, Touch ID, fingerprint, or your device passcode so it stays private even if someone picks up your phone. No bank connections required. Every entry is yours to add — full control, nothing synced automatically, nothing you didn't put there yourself.

Expense tracking should take seconds, not interrupt your day. YiBi keeps the amount, categories, note and calculator on one clean screen. Add or subtract as you type, choose a category and subcategory, then tap “Again” to save and continue without leaving the entry screen. KNOW TODAY AND THIS MONTH • Monthly spending, budget remaining, income and balance • The latest three days with category, subcategory and time • Smart suggestions based on past habits and time of day • Suggested amounts appear only when a pattern is reliable FIND ANY ENTRY • Filter by today, week, month, year or a custom range • Search category, amount, note, account or place • Swipe to edit or delete • Adjust the date or location after saving • Optionally view spending on a map TURN RECORDS INTO INSIGHT • Separate expense and income analysis • Interactive trends with drag-to-inspect values • Calendar heatmap and category charts • Drill from a main category into subcategories YOUR DATA, YOUR CHOICE YiBi works offline and stores your ledger on your device by default. If you enable iCloud, entries sync through your private CloudKit database across Apple devices. You can switch sync off at any time. Ledger contents are not uploaded to a developer-operated server. MORE WAYS TO MAKE TRACKING EASIER • Face ID ledger lock • Optional location per entry • Receipt scanning and voice entry • Intelligent Excel import and complete Excel export • Worldwide currencies with local symbols • Siri Shortcuts and Back Tap • 11 interface languages Keep the tracking quick. Let the insights do the work.