Simple: free; Everyday Users: $9/month or $89/year
Free to start with all features unlocked; then Monthly, Yearly (billed yearly, most common option), or Lifetime (one-time payment). Prices set by Apple App Store and Google Play and vary by country.
Key features
Visual-first design with charts instead of spreadsheets
Asset projections and growth forecasting
Real-time scenario testing with variable adjustment
Cash flow analysis and planning
Retirement drawdown planning
Loan repayment calculators
Contributions calculator
Data saved to account for Everyday Users plan
Opportunity spotting for underperforming assets
Table view for detailed year-by-year data
Calculates what you can safely spend today
Budgets over any period (month, fortnight, custom)
Multiple accounts, transfers, and net worth tracking
Recurring rules for rent, salary, and subscriptions
Search and filters over every transaction
CSV export of transactions
Backup and restore via Google Drive, iCloud, or file
App lock with passcode and biometrics
Supports 165 currencies and 5 languages
All data stays on device with optional backup only
What makes it different
No bank account linking required—entirely manual entry keeps data private
Real-time projection updates as you change assumptions
No jargon or complex setup required
No bank connection—you manually add transactions, so no credentials to share and nothing to categorize incorrectly
All data remains on your phone; nothing is uploaded without your permission
Shows what you can spend today as one clear number derived from remaining funds and days until payday
Free to start with all features unlocked; you choose whether to pay to continue adding transactions
Calm Sea
Ledgerly