MonthLedger vs PocketPlan AI

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.

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/