SpendCents vs DeskLedger

SpendCents turns a pile of balances into one clear plan: what you owe, what to pay next, and the date it all ends. THE NEXT DOLLAR The question every payday raises — where does my next spare dollar do the most good? SpendCents answers it with arithmetic, not a guess: it names the account, the amount, and the interest that dollar just avoided. YOUR DEBT-FREE DATE Enter each account once — balance, interest rate, minimum payment, due day — and watch The Cascade project every remaining payment through to the month the last balance clears. BOTH ROUTES, SIDE BY SIDE Smallest balance first, or highest rate first? Compare them honestly: months saved, interest paid, and which accounts close when. Or set your own order. A BUDGET THAT FEEDS THE PLAN Log your take-home pay and your spending by category. SpendCents subtracts your minimums and shows what is genuinely free for debt each month — then puts it to work in one tap. EVERY PAYMENT, SPLIT HONESTLY Log a payment and see exactly how much went to principal and how much the interest took. Momentum, milestones and due-date reminders keep the run going. PLAIN ENGLISH APR, amortisation, minimum payment, revolving credit — 33 money terms explained in a sentence each, with no jargon and nothing to sign up for. NOTHING IS CONNECTED TO YOUR BANK You type the numbers in. SpendCents never asks for bank logins, never reads an account, and never sells anything on. Export everything to CSV whenever you like. SPENDCENTS PRO (optional subscription) The free app stays free — unlimited accounts, the debt-free date, The Next Dollar, the budget tracker, payment logging, reminders and CSV export. Pro adds: - What-If Studio: save and compare payoff scenarios side by side - Windfall Planner: the best home for a bonus, refund or gift - Interest Ledger: interest paid against interest avoided, over time - A 12-month forecast table for the whole plan Pro is $6.99 per month or $49.99 per year, each with a 7-day free trial. Payment is charged to your Apple ID at confirmation. The subscription auto-renews unless canceled at least 24 hours before the current period ends; manage or cancel in your Apple ID settings. Any unused portion of a free trial is forfeited when you buy a subscription. SpendCents does the arithmetic on the numbers you enter. Every projection is an estimate, not financial advice. Privacy Policy: https://preview.apppublishing.ai/legal/365/privacy Terms of Use (EULA): https://preview.apppublishing.ai/legal/365/terms

DeskLedger is bookkeeping for people who never wanted to be bookkeepers. If QuickBooks feels like it was built for a company with staff, this is the opposite: a focused ledger for freelancers, Etsy sellers and solo owners who just need to know who owes them money and how much of it is really theirs. SEE WHERE YOU ACTUALLY STAND The dashboard tilts a balance scale by your real profit margin for the period, with income, expenses and the change since last month — no setup, no chart of accounts. KNOW WHAT YOU OWE BEFORE TAX SEASON Every transaction you file feeds a live cash-basis tax picture: year-to-date net profit, an estimated self-employment tax figure, your own set-aside target, and a countdown to the next quarterly deadline. FILE A MONTH OF EXPENSES IN ONE SITTING Anything uncategorized lands in the Sort Deck — one tap files each entry under a tax-form-aligned category. INVOICES THAT CLOSE THE LOOP Build an invoice with line items, tax and terms, share it as text, and track draft to sent to paid. Marking one paid books the income for you, so revenue is never double counted. The aging strip shows exactly where money is stuck. YOUR CLIENT BOOK, WITH MEMORY Each client shows twelve-month revenue, their share of your income, what's unpaid, and how many days they typically take to pay — plus a nudge when one has gone quiet. DESKLEDGER PRO (optional subscription) - Unlimited clients and projects - Receipt scanning that reads the text and keeps only the text — the photo is never stored - Drafted payment reminders and client check-ins - The subscription radar for recurring charges - The CSV accountant pack, ready for tax season Pro is $9.99 per month or $99.99 per year, after a 14-day free trial. Payment is charged to your Apple ID at confirmation. The subscription auto-renews at the same price unless canceled at least 24 hours before the current period ends; manage or cancel it any time in your App Store account settings. Any unused portion of a free trial is forfeited when you subscribe. Your books stay yours: your data is private to your account, you can export it, and you can delete your account and everything in it from inside the app. DeskLedger provides general bookkeeping tools and estimates. It is not tax, legal or financial advice — check anything important with a qualified professional. Privacy Policy: https://preview.apppublishing.ai/legal/239/privacy Terms of Use (EULA): https://preview.apppublishing.ai/legal/239/terms