MonthLedger vs PayDock

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.

Keep bills, budgets, personal loans, and account logins organized in one place with PayDock. See what’s due, track what you’ve paid, and get a clear view of your monthly spending. Stay on top of bills Track upcoming and recurring payments, mark bills as paid, and archive bills without losing their history. See your finances at a glance Review your monthly totals, budget progress, and spending by category from the dashboard. Keep personal loans organized Track money you owe and money owed to you, including Family Paybacks. Keep logins with the bills they belong to Organize account sign-in details alongside your household expenses. PayDock Pro includes continued editing and household sharing. If Pro access ends, your existing data remains viewable and exportable in read-only mode and is never deleted. Trial and subscription: Eligible new subscribers can start a 14-day Pro trial. A valid payment method on your Apple Account is required. After the trial, the subscription renews at $4.99 per month unless canceled at least 24 hours before it ends. Manage or cancel in iPhone Settings → your name → Subscriptions, or from the Account tab in PayDock. Tap Restore Purchases in Account if a previous purchase isn’t recognized. Terms of Use (EULA): https://paydock.app/terms Privacy Policy: https://paydock.app/privacy