Begin with a budget. Grow into something bigger. Ledger scales with every stage of your financial life — from paying off debt to managing investments, real estate, and beyond.
Free forever · No credit card required · Paid plans from $9/mo
Why Ledger exists
Financial tools only just scratch the surface. Ledger is built to make money management so transparent and accessible that anyone can step back from chasing every dollar and start thinking strategically about their finances.
Every module is designed to help you understand that corner of your financial life — not just show you a number. Time tracking connects to your P&L. Your tax estimator connects to your spending decisions. Net worth builds itself so you see the trajectory, not just today's snapshot. The goal is financial fluency, not just financial visibility.
When your budget, cash flow, net worth, taxes, and investments live in separate apps, you never see the whole picture. Ledger puts everything in one place so you can ask the questions that actually matter: Am I ahead of where I planned to be? What does this spending decision do to my year-end position? How does my time translate to income?
Set a budget. Spend. See exactly how you did. Most people skip this loop because the friction is too high — data is scattered, reconciliation takes time, the moment passes. Ledger makes budget vs. actuals automatic. The gap between what you planned and what happened is always visible, always honest, and always something you can act on.
Who it's for
Start with the free tier and grow into more. Whether you're building your first budget or running a portfolio of businesses, there's a version of Ledger built for where you are right now.
Track spending, set a budget, manage debt, and watch your net worth grow. The free tier gives you everything you need to build healthy financial habits — no credit card required.
Shared finances, subscription tracking, mortgage amortization, CC benefits, and cash flow — everything a household needs in one place without juggling multiple apps.
Multiple businesses, blended revenue, self-employment taxes, quarterly estimates, and a P&L that actually reflects reality — per venture.
Rental income tracking, mortgage amortization, property-level P&L, and deduction capture built in from day one.
RSU vesting schedules, ISO and NSO tracking, LTCG awareness, and after-tax net value — finally explained in plain numbers.
W-2, freelance, rental, investments, RSUs — multiple income streams tracked in one place, with capital gains intelligence no other consumer app offers.
Features
Claude auto-categorizes transactions. Smart rules engine handles recurring patterns. CSV import from any bank, split transactions, dispute flagging, and full search by account, category, trip, business, or tax status.
Income by revenue stream. Spend by category, card, month, or trip. Subscription tracker, fees analysis, household running costs, and cash flow with a running net balance — month by month.
Monthly breakdown with a running net balance chart. Transfer reconciliation and disputed transaction footnotes so your totals are always accurate.
Real-time assets vs. liabilities. Auto-built history from your transaction data — no manual entry required. MoM, YoY, all-time gain, best month, and equity/RSU vested value all included.
Annual cash flow forecast. Month-by-month forecast vs. actuals. Retirement and investment growth projection. Social Security benefit breakdown. Year-end cash position and portfolio at retirement.
Federal + state brackets (2023–2026). W-2, SE, 1099, RSU/equity income. 401K, HSA, itemized vs. standard comparison. Capital gains: LTCG bracket indicator, realized gains, unrealized estimates, NIIT, and tax-loss harvesting detection.
Income forecast with confidence levels — Exact, Estimate, or Pending. Multi-stream tracking across W-2, freelance, rental, business, and investment income in one unified view.
P&L per business with ROI comparison. Paystub history with YTD tracking. 401K contribution tracking. Tax withholding by month. All blended across every venture you run.
RSU, ISO, NSO, common stock, and profit interest grant tracking. Vesting schedule builder. After-tax net value calculation with LTCG rate awareness — integrated into Net Worth and Tax estimator.
Create trips, tag transactions, and pull per-trip analytics: spend by category, by month, by day, and a full transaction list. Every business trip becomes a documented expense report.
Debt payoff planner with principal vs. interest visualization over loan life. Full mortgage amortization with payoff scenarios so you know exactly what extra payments actually save you.
Full account management with Plaid bank sync. Credit card benefits tracker per card. TOTP MFA (2FA) with Supabase-backed auth — your financial data stays yours.
Comparison
The personal finance software market is growing fast — but every existing app was built for someone with a single employer and a W-2. The complexity segment has no dedicated tool. Until now.
| Feature | Ledger | Monarch | YNAB | Copilot | Origin |
|---|---|---|---|---|---|
| Budget tracking | ✓ | ✓ | ✓ | ✓ | ✓ |
| Net worth tracker | ✓ | ✓ | ✕ | ✓ | ✓ |
| Subscription tracker | ✓ | ✓ | ✕ | ✓ | basic |
| Debt payoff planning | ✓ | basic | ✓ | ✕ | ✕ |
| CC benefits tracker | ✓ | ✕ | ✕ | ✕ | ✕ |
| Trip expense tracking | ✓ | ✕ | ✕ | ✕ | ✕ |
| Business P&L per venture | ✓ | ✕ | ✕ | ✕ | ✕ |
| Equity & RSU vesting schedules | ✓ | ✕ | ✕ | ✕ | balance only |
| Capital gains intelligence | ✓ | ✕ | ✕ | ✕ | ✕ |
| Year-round tax estimator | ✓ | ✕ | ✕ | ✕ | basic |
| Multi-stream income forecasting | ✓ | ✕ | ✕ | ✕ | ✕ |
| Time tracking | ✓ | ✕ | ✕ | ✕ | ✕ |
| AI categorization | ✓ Claude | basic | ✕ | good | basic |
| Investment tracking | ✓ | ✓ | ✕ | ✕ | ✓ |
| Plaid bank sync | ✓ | ✓ | ✓ | ✓ | ✓ |
| Works on any device | ✓ | ✓ | ✓ | iOS / Mac only | ✓ |
| Price / month | Free – $39 | $14.99 | $14.99 | $13 | $12.99 |
Where Ledger wins
The capabilities that put Ledger in a category of its own.
Every competitor tracks income by source. Ledger tracks P&L, capital invested, and ROI per venture — across every business you run, blended into your personal financial picture.
LTCG bracket awareness, realized gains surfaced from transactions, unrealized estimates, NIIT calculation, and tax-loss harvesting detection. Tax software does this once in April. Ledger does it every day.
The closest competitor tracks equity as a number. Ledger builds full vesting schedules for RSU, ISO, NSO, and profit interest — computing after-tax net value and feeding it directly into your net worth and tax estimate.
W-2, freelance, rental, business, and investment income — tracked against forecast with confidence levels in a single view. This feature category doesn't exist in any other personal finance product.
Pricing
A single hour with a financial advisor runs $200–$400. Ledger gives you that clarity on demand, every day — for $19 a month.
Free plan available forever · 14-day trial on paid plans · No credit card required
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Free forever · Paid plans from $9/mo