MonthLedger vs PayDock

MonthLedger helps you record everyday spending and understand your finances month by month. It is free to use, with no ads, subscriptions or in-app purchases. No account, login or bank connection is required. START SIMPLE Begin with income and expense entry. Enable accounts, transfers, tags, budgets, trends, loans, multiple currencies, widgets and shortcuts when you need them. Turning a feature off keeps its data. EVERYDAY BOOKKEEPING • Record expenses, income, transfers, refunds and balance adjustments. • Calculate amounts directly, keep unfinished entries and swap transfer accounts in one tap. • Type tags or choose from existing groups. Add notes and custom categories. • Search, filter, edit and reconcile transactions. YOUR MONTH, YOUR ACCOUNTS • Set your reporting start day and each credit card’s statement period. • Group accounts and choose which groups count toward net worth. Ledger totals, trends and widgets use the same selection. • Review monthly spending, income and net worth. Carry unused budgets and overspending into the next month. • Track money borrowed or lent, schedule entries and archive reconciled history into monthly summaries. YOUR DATA STAYS WITH YOU Your ledger is stored on your device and shared only with the app’s own widgets. No tracking or third-party analytics. Export CSV files, create JSON backups and preview imports before applying them. Import legacy Miaosu XLS records, use recovery points and restore recently deleted entries. Optional online exchange-rate requests send only your selected base-currency code, not your financial records. Rates are estimates and can be edited manually. Questions, ideas or bug reports? Contact Oasis7311+monthledger@gmail.com. MonthLedger is for personal record keeping, not professional financial advice.

PayDock keeps your household bills and subscriptions in one place — so nothing slips through the cracks. TRACK EVERY BILL See every recurring expense at a glance. PayDock shows what's due this week, what you've already paid, and exactly how much of your monthly budget is left. Get alerted when bills are coming up and mark them paid with a tap. BUDGET AT A GLANCE Set a monthly budget and watch it fill in real time as bills are paid. PayDock breaks your spending down by category — Utilities, Streaming, Insurance, Phone, and more — so you can see instantly where your money goes each month. SHARE WITH YOUR HOUSEHOLD Add family members or housemates to your household. Everyone sees the same bill list, can mark bills paid, and gets the same reminders. Shared finances, no more chasing. SECURE LOGIN VAULT Store the login credentials for every service you subscribe to — Netflix, Spotify, your energy provider, your bank — encrypted and accessible only to your household. No more "what was the password?" moments. ORGANISED BY CATEGORY Tag bills by category and filter your list in seconds. Set per-category budget limits and get notified the moment you go over. AUTOPAY TRACKING Mark bills as autopay and PayDock tracks them separately — so you always know what's coming out automatically versus what needs a manual payment. Every new PayDock account automatically starts with 14 days of full Pro access, with no card or payment method required. After the trial, your existing data remains visible and exportable in read-only mode and is never deleted. PayDock Pro lets you keep adding and editing records and use household sharing. On iOS, subscribe directly in the app using Apple in-app purchase for $4.99 per month. The subscription renews automatically each month until canceled in your Apple ID settings. Manage or cancel your subscription at any time from Settings > Apple ID > Subscriptions on your iPhone, or from the Account tab in PayDock. Tap "Restore Purchases" in the Account tab if your Pro access does not appear after a previous purchase. Terms of Use (EULA): https://paydock.app/terms Privacy Policy: https://paydock.app/privacy