MoneyMatter vs Ledgerly

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

MoneyMatter compared with Ledgerly
Detail	MoneyMatter	Ledgerly
What it does	Open-source budget tracker and personal finance app	Budget app that shows what you can spend today
Stage	Not given	Not given
Founded	Not given	Not given
Based in	Not given	US
Pricing model	Freemium	Freemium
Pricing	Essential: $30/year or $5/month. Includes manual entry, imports, investments, backup export, MCP server, and 2 household seats. Plus: $55/year or $8/month. Adds bank sync, AI features on the company's key, FIRE planner, and 5 household seats. Self-hosting is free forever and includes all features.	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	Bank connections via LunchFlow, SimpleFIN, and Monobank Automatic transaction categorization with AI learning Budget tracking and progress monitoring Investment portfolio tracking including crypto Multi-currency support with automatic exchange rates Family sharing with per-account access control AI MCP server for connecting external AI assistants Reports and analytics with pivot tables	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	Fully open-source under AGPL-3.0 with auditable code Self-host for free with Docker or use cloud starting at $2.50/month Bank coverage across 30+ countries Bring your own AI or use the built-in assistant Data encryption and full user control with no data selling	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
Community votes	0	0
DR (Domain Rating by Ahrefs)	Not checked yet no change since last check	2 no change since last check
Trust Flow (Majestic)	1	1
Citation Flow (Majestic)	15	19
Referring domains (Majestic)	72	11

5 details filled in for both companies.

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