MonthLedger vs PocketPlan AI

Open MonthLedger and start recording right away. The app opens directly to transaction entry, helping you capture everyday income and expenses and review your budgets and assets 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. Explore features with step-by-step guides and a separate sample ledger, without changing your own data. Revisit introductions and fixes by version. Copy a transaction into an editable form before saving. Batch-change accounts and categories, including retained archived records, with multiple source accounts and optional tag filters. Review trends over a custom date range. YOUR DATA STAYS WITH YOU Your ledger is stored locally and shared with the app’s own widgets. No tracking or third-party analytics. Export CSV or full JSON backups. Optionally enable daily backups to a folder you choose in iCloud Drive, or preview and restore a saved backup. iOS schedules background backups; missed backups run when you next open the app. This is file backup, not live ledger sync. Restoring replaces the local ledger after creating a recovery point. Keep the last 7 days of app-generated iCloud backups by default, choose a custom retention period, or confirm deletion in the app. Cleanup after a successful new backup keeps at least the latest valid copy. Search currencies by code or name. Record 16 major cryptocurrencies, including BTC and ETH, and estimate their value in your base currency. Optional online reference rates use ExchangeRate-API and Coinbase, with Currency API and Kraken as fallback sources. Requests contain currency codes, not your ledger or holdings; providers may process necessary network information. Rates are estimates and remain editable. No wallet connection or cryptocurrency trading. Questions, ideas or bug reports? Contact Oasis7311+monthledger@gmail.com. MonthLedger is for personal record keeping, not professional financial advice.

PocketPlan AI helps you plan each paycheck, track bills, and understand what’s left to spend—all in one simple budget app built for real life. “What can I safely spend without putting my bills and goals at risk?” Get a clearer picture with a Safe-to-Spend estimate based on the financial information you enter. BUDGET YOUR WAY • Track income, expenses, recurring bills, and starting balances. • Organize spending by category. • Plan around upcoming bills and paydays. • Get AI-powered insights to better understand your budget. • Add expenses using voice-to-text. START WITHOUT AN ACCOUNT Start personal budgeting without creating an account. Create an account or sign in whenever you’re ready—your guest budget and expenses stay with you. A FREE PLAN FOR EVERYDAY BUDGETING Track up to five recurring bills on the free plan. Create a free account to access up to three affordability checks each month and see how a potential purchase could affect your budget. PLAN TOGETHER With an eligible Family subscription, share a household budget and coordinate everyday finances. Household sharing requires an account. CHOOSE WHAT FITS Start free, with optional Single and Family subscriptions available for additional features. Available plans, prices, and trial details are shown before you subscribe. Make everyday money decisions with a clearer view of your bills, spending, and goals. Safe-to-Spend estimates and AI insights depend on the information you provide and are for informational purposes. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/