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Most finance apps want your bank login and keep your data on their servers. Here's how ledgr's private, no-sync approach to net worth tracking stacks up against the popular alternatives.
| Feature | ledgr | Mint | YNAB | Monarch |
|---|---|---|---|---|
| Works without a bank login | ||||
| Data stays on your device | ||||
| Encrypted vault on your device | ||||
| Net worth as the main focus | ||||
| Multi-currency by design | ||||
| Works fully offline | ||||
| No password to create | ||||
| Export a backup you fully control | ||||
| Cashflow tracking (earnings, expenses, invested) | ||||
| Savings & net-worth goals with shareable cards | ||||
| Achievement badges & logging streaks | ||||
| Encrypted cloud backup you control (Google Drive) | ||||
| One-time Lifetime option (no forced subscription) | ||||
| Cost model | Free · €6.99/mo · €49.99/yr · €99.99 lifetime | Discontinued | Subscription | Subscription |
Yes Partial / limited NoComparison reflects each tool's standard approach; features change over time.
Mint was the default free finance app for a decade — and free because it monetized your data through offers and aggregation. After Intuit shut it down in 2024, a lot of former users decided they didn't want to hand their logins to yet another aggregator. ledgr is the privacy-first answer: no bank connection, data encrypted on your device, and a clear focus on the net worth trend most people opened Mint to see.
YNAB is excellent at one job: zero-based budgeting, where you give every dollar an assignment. But that's a different question from 'am I building wealth?'. If you want the top-line net worth picture rather than envelope-level budgeting — and you'd rather not sync accounts or pay a subscription to start — ledgr is the lighter, more private fit. Many people happily use a budgeting method alongside ledgr for the long-term view.
Monarch is one of the most polished post-Mint apps, with full bank syncing and a cloud dashboard. The trade-off is the familiar one: your accounts flow through aggregators and your data lives on Monarch's servers, behind a subscription. ledgr covers net worth tracking too, but manually and locally — no aggregation, encrypted on-device storage, multi-currency by default, and free to start.
Yes. Mint was discontinued by Intuit in 2024. ledgr is a privacy-first alternative for people who want to track net worth without connecting their bank or storing data on a company's servers. It focuses on the net worth trend rather than transaction-by-transaction spending.
YNAB is a zero-based budgeting tool built around assigning every dollar a job. ledgr is a net worth and cashflow tracker — it answers 'is my total wealth growing?' rather than 'where did this month's money go?'. ledgr also keeps data on your device and needs no bank connection.
Monarch is a polished, subscription, bank-syncing app whose data lives in the cloud. ledgr does net worth tracking too, but manually and privately: no bank aggregation, data encrypted on your device, multi-currency built in, and free to start.
Manual entry takes about ten minutes a month and avoids the two biggest problems with syncing: broken connections and handing your financial data to a third-party aggregator. ledgr carries forward last month's values, so you only update what changed.
Free to start — no card, no bank login, just verify your email. Add a few accounts and watch your trend — all on your device.