MonthLedger vs Brote

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. 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: Oasis7311+monthledger@gmail.com MonthLedger is for personal record keeping, not professional financial advice.

Brote is the personal finance app that gives every dollar a job. Most budgeting apps just tell you what you already spent. Brote helps you plan ahead — so you always know how much to set aside each week for rent, a car payment, groceries, or anything else that's coming. ENVELOPES THAT FUND THEMSELVES Create an envelope for any recurring cost, link it to a bill you already track, and Brote tells you exactly how much to save per week. When the bill gets paid, the envelope automatically draws down — no manual bookkeeping. KNOW WHAT'S ACTUALLY FREE TO SPEND See your real balance minus everything you've already set aside. No more guessing whether that grocery run is really affordable. AUTOMATIC CATEGORIZATION Brote learns from your spending habits and recognizes common merchants out of the box — log a purchase at McDonald's or Starbucks and it's already filed under the right category. RECEIPT SCANNING & BULK IMPORT Scan a paper receipt or upload a screenshot of your bank statement — Brote reads the merchant, amount, and date automatically, and lets you review and edit every entry before it's saved. BUDGETS THAT ALERT YOU Set a monthly limit per category and get notified the moment you're approaching it — or have gone over. SPENDING TRENDS See exactly how this week and this month compare to the last, right on your dashboard — plus a notification when a new week or month wraps up. SPLIT TRANSACTIONS One purchase, multiple categories — divide a single transaction across as many categories as you need. GOALS & RECURRING BILLS Save toward one-time goals, track recurring subscriptions and bills, and even have Brote log them automatically when they're due. PRIVATE BY DESIGN Your financial data lives in your own private iCloud account — synced across your devices via Apple's CloudKit, never sent to any other server. Receipt scanning happens entirely on your device. BUILT FOR IPHONE Face ID protection, Home Screen widgets, haptic feedback, full accessibility support, and support for Spanish and English. Download Brote and start giving every dollar a job.