Rookie: Free. Aura: $4.95 per month or yearly at 15% savings.
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
Multi-wallet management for cash, bank accounts, and savings
Transaction tracking with categories and real-time balance updates
Monthly budget setting and spending limit monitoring
Multi-currency support with automatic FX conversion
Financial analytics and spending reports
Advanced dashboard and charts
Export to CSV
Internal transfers between wallets
Zero-based budgeting methodology
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
Free access with no app download required, runs entirely in web browser
Live FX rates for real-time multi-currency conversion
No credit card required to get started
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
Ledgerly