dLedger vs Wallet by BudgetBakers
dLedger
dledger.comWallet by BudgetBakers
web.budgetbakers.comSide by side
| Figure | dLedger | Wallet by BudgetBakers |
|---|---|---|
| Price from | $12/mo | Free |
| Free plan | Yes | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | Yes | — |
| macOS | Yes | — |
| Linux | Yes | — |
| iOS | — | Yes |
| Android | — | Yes |
| Plans published | 3 | 4 |
| Spec score · Personal Finance Software | 8.8 (#12) | 8.8 (#10) |
| Account sync | both | both |
| Bill tracking | No | Yes |
| Budgeting tools | Yes | Yes |
| Free plan | Yes | Yes |
| Integrations | The site advertises support for more than 60 services, including banks, exchanges, and blockchain explorers. | Wallet offers MCP connections for AI assistants and a REST API for tools such as Excel and Power BI. |
| Net-worth tracking | Yes | Yes |
| Platforms | The site identifies the current product as a web app and describes desktop and mobile as coming soon. | Wallet has mobile apps for iOS and Android and a browser-based web app. |
| Privacy | The site says financial data stays on the user's machine, with no cloud accounts, data sharing, or tracking. | BudgetBakers says it complies with GDPR, requires explicit user authorization, and provides a right to data deletion. |
| Product | dLedger is an open-source personal finance application built around double-entry bookkeeping, crypto tracking, and tax reports. | Wallet is a personal finance tracking and budgeting tool, not a bank; it does not send payments, withdraw cash, or hold funds. |
| Report export | Yes | Yes |
| Support | Users can start a discussion on GitHub to ask questions or report issues, suggest features, and submit pull requests. | The download page lists priority support among Wallet's stated benefits. |
Plans
Wallet by BudgetBakers
- FreeFree
- Premium LifetimePrice not published
- Premium MonthlyPrice not published
- Premium YearlyPrice not published
In their own words
Wallet by BudgetBakers
Wallet by BudgetBakers is a personal finance tracking and budgeting tool for Android, iOS, and web. It is not a bank and does not hold funds, send payments, or withdraw cash. Users can set category spending limits, receive overspending alerts, use AI-powered category assignment, and choose among multiple budget types. Wallet says it connects to over 15,000 financial institutions for transaction syncing and balance updates. It supports multiple currencies with automatic exchange-rate calculations, and imports historical records in CSV, XLS, or OFX formats. The mobile app lists real-time notifications, quick expense entry, receipt scanning, and offline mode. The web app lists analytics, bulk operations, report export, and multi-tab support. Premium includes Group Sharing for household expenses and savings goals, with control over shared accounts; its REST API provides access to transactions, accounts, budgets, and goals. BudgetBakers says bank access is read-only, and describes GDPR compliance and a right to data deletion. Wallet has a free plan, and a free trial is listed.