Side by side
Chip vs Ledger
Both stand on personal finance software. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Free plan AndroidiPhone
Chip brings savings accounts, goals and investment products into one app, with optional automatic transfers. Review the autosave and platform fees, and note that investment performance is not covered by the stated FSCS limit.
Visit Chip Free plan iPhone
Ledger focuses on pay-cycle organization with local storage and optional Australian tax estimates. Its iOS-only availability and local backup responsibility matter when choosing it.
Visit LedgerThe facts
| Chip | Ledger | |
|---|---|---|
| Free plan | Yes | Yes |
| Open source | Not published | Not published |
| Runs on | Android, iPhone | iPhone |
| Lowest paid plan | ChipX plan: £5.99 a month | Ledger Pro: $49.99 a year |
| Plans published | 4 | 4 |
| Maker | Chip | Ledger |
| Website | getchip.uk | useledger.co |
| On personal finance software | #121 of 181 | #125 of 181 |
Chip: what it does well
- Savings goals can include targets and dates
- Offers savings and investment accounts
- ChipX includes unlimited autosaves
- Support available on weekdays and weekends
What to know first
- Each Basic autosave costs 45p
- Basic investment access is limited to thirteen funds
- No branches, debit cards or ATM access
- Chip does not provide financial advice
Ledger: what it does well
- Pay-cycle budgeting
- Australian tax estimates
- Savings pockets and progress tracking
- No bank login required
- Free plan available
What to know first
- iOS only
- Australian tax estimates may not suit international users
- Local data may not sync between devices
- Paid plan costs 5.99 AUD monthly