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Dashboard
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Enter from your phone — it syncs instantly and gets matched when you import transactions.
Category
Date
Trip (optional)
Tax Deductible
Recent entries
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Spending & Income
Total Spend
Transactions
Avg / Txn
Unmatched
quick entries pending
💰 Income
Active Income
Passive Income
Total Income
all sources combined
Income by Revenue Stream
📱 Subscriptions
Gross / mo
Net / mo after credits
Subscriptions
💳 Spending
Total Spend
Tax Deductible
Fees Paid
Spend by Card
Spend by Category
Spend by Month
🍽️ Food Spending
Spend by Trip
📈 Investments & Ventures
Total Invested
retirement + investment accts
Business Capital In
total expenses across ventures
Business Revenue
total income across ventures
Blended Biz ROI
revenue ÷ capital invested
Investment Account Growth YoY — from net worth snapshots
Business ROI by Venture
Business P&L by Year
🏠 Household
Day-to-Day Running Costs /mo avg
Household Upkeep & Repairs /mo avg
📊 Spend Overview
Spend by Category
Monthly Spend Trend
Category Breakdown
💸 Cashflow
Money In
income across all accounts
Money Out
real spend, excl. transfers
Net Cashflow
saved or deficit
Income vs. Spend by Month ↗ click a bar to drill in
Running Net Balance ↗ click a point to drill in
By Account
Net Worth
Total Assets
Total Liabilities
Net Worth
YoY Asset Return
vs 1 year ago
Assets
Liabilities
Net Worth Over Time
Retirement Accounts
Investment / Brokerage
📈 Equity & RSUs
Balance History — from Portfolio Tracker entries
Refinance Modeler
Model cash-out scenarios and compare investment returns across appraisal values
Your Loan
$
%
%
Property & LTV
$
$
%
%
Investment Assumptions
% / yr
$
= 0.7% of cashout (new loan − old balance)
%
Cash-Out Investment Growth (10-Year)
Scenario Table best 10yr net ROI  ·  your appraised value
Value LTV Max Loan Cash-Out CAL New Pmt Rate Save Net / mo 5 yr 6 yr 7 yr 8 yr 9 yr 10 yr
GrossNet GrossNet GrossNet GrossNet GrossNet GrossNet
Net = gross investment value − original cash-out − cumulative interest (cash-out × new rate × years). Closing costs excluded.
Cash Flow Forecast
📊 Unified Financial Dashboard
Monthly Net Savings
Projected Actual
Projected = income settings (W2 + business targets + other) − avg monthly spend  ·  Actual = income transactions − expense transactions (only months with imported data)
Portfolio Value This Year
📈 Projected Income by Revenue Stream
🏢 Business Revenue Targets & Budget vs. Actuals
💸 Annual Cash Flow Forecast
Monthly Cash Flow Forecast
Month-by-Month Forecast vs. Actuals
Month ↗Proj. IncomeForecast PipelineActual IncomeProj. SpendActual SpendProj. NetActual NetVariance
Retirement Planning
🏦 Portfolio & Growth Settings
%
📐 How this projection is calculated
Starting balance — pulled live from your retirement and investment account balances in the Accounts tab.
Monthly contributions — your 401K employee deduction + employer match + any extra investment contributions, all auto-filled from your uploaded paystubs (YTD ÷ months elapsed). Override any field to model a scenario.
Growth formula — standard future value: FV = PV × (1+r)ⁿ + PMT × ((1+r)ⁿ − 1) / r, compounded monthly at your expected annual return rate.
What's not included — future salary increases, changes to contribution rate, inflation, taxes on withdrawal, or Social Security income (modelled separately below). The dashed line on the chart shows contributions alone, so you can see how much of the projection is actual compound growth vs. money you put in.
Projected Portfolio Growth to Retirement
🏛️ Social Security Income
Estimated monthly SS benefit based on your W2 earnings history. Uses the SSA's AIME → PIA formula with 2024 bend points. Assumes you continue earning at your current rate until retirement.
Total years you've paid SS taxes (used to build your 35-year earnings record)
Your gross W2 wages subject to SS tax (auto-filled from paystubs)
Social Security Benefit Breakdown
🎯 Retirement Income Goal
How much do you want to live on each year in retirement? We'll calculate exactly how much you need to save to get there.
$
In today's dollars — we'll inflate to retirement
%
Used to convert today's dollars to retirement-era dollars
🎯 Portfolio Target Calculator
Enter a target portfolio value and we'll reverse-engineer what you need to get there — required contributions at your current return rate, the return rate needed with your current contributions, and how much extra 401K that translates to.
$
In future (nominal) dollars at your target age
🎲 Monte Carlo Simulation
Instead of assuming a fixed 8% return every year, Monte Carlo runs 1,000 randomized scenarios — some years +25%, some −30% — mimicking real market volatility. The result tells you the probability your money outlasts you. Requires at least one Retirement or Investment account with a balance set in Accounts.
%
S&P 500 historical ~15%. Higher = more uncertainty.
How long your portfolio needs to last
$
Leave blank to use 4% of projected portfolio · grows with inflation each year
%
Annual increase to your spending. Historical avg ~3%.
🏦 Tax-Efficient Withdrawal Sequencing
In retirement you typically have three buckets: Taxable (brokerage — capital gains rates), Tax-Deferred (401k/IRA — ordinary income), and Tax-Free (Roth — zero tax). The order you draw them down can save or cost you tens of thousands in taxes. Enter your current balances to see the optimal strategy.
$
$
$
$
%
Expected marginal rate on ordinary income (401k withdrawals)
%
Rate on brokerage gains (0%, 15%, or 20%)
🔄 Roth Conversion Ladder
A Roth conversion ladder lets you move money from a traditional IRA/401k to Roth in low-income years — paying taxes now at a lower rate to avoid larger taxes later from forced RMDs at 73. The optimizer shows how much to convert each year to maximize lifetime tax savings.
$
The balance you want to gradually convert
Years of low income available for conversions (e.g. early retirement gap before SS starts)
$
Income room each year to convert without bumping into the next bracket
%
Your marginal rate when doing the conversion (the rate you'll pay now)
%
Expected rate when forced RMDs kick in — typically higher if SS + portfolio income stacks up
%
Annual growth of the converted Roth funds after conversion
🔮 Financial Trajectory
What-if planner · levers auto-save
📍 Your Current Baseline
⚙️ What-If Levers Enter changes from your baseline · see the impact below
🎯 Milestones & Trajectory Set your starting age below · edit milestone ages in the cards
Net Worth Trajectory
Net Worth Portfolio Debt
🏁 Projected Snapshot at Each Milestone
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💳 Debt Payoff Timeline
Follow-Up List
🚩 Flag transactions in the Transactions tab to track them here. Use this as your to-do list for refunds to chase, charges to contest, or anything that needs follow-up. Mark as resolved when done — the transaction itself is never changed.
Accounts & Cards
Account
Business
💳 Card Benefits
✈️ Loyalty Programs
Program
✈️ Trips
Trip
Total Spend
Transactions
Dates
Spend by Category
Spend by Month
Spend by Day
Transactions
DateDescriptionCategoryAmountNote
Income Streams
💼 Jobs & Employment
📄 W2 / Paystubs
🏢 Businesses & Ventures
Job
🗂️ Claims Tracker
Time Tracking
⏱ Recent Entries
📊 Analytics
Transactions
📋 Statement Tracker
Debts
📊 This is a spending report — it looks backwards at your transaction history and shows how much you've paid toward bad debt (credit cards, personal loans), good debt (mortgage, student loans), and leverage debt (business financing). Use it to understand how much of your monthly cash flow is going to debt service. For forward-looking payoff timelines and interest projections, see Liabilities under Net Worth.
Tax Estimator
Withholding vs. Estimated Liability
📄 Paystub Coverage
Income Breakdown
Deductions
Federal Tax Bracket Breakdown
Quarterly Estimated Payments — for self-employed / freelance income
Business & Self-Employment Deductions
Charitable Giving
⚠️ This is an estimate only. Consult a tax professional for advice. Federal brackets use 2025 rates; state rates are approximate.
Automation Rules
Rules automatically set the category, type, tax deductible status, and tax classification for matching transactions — on import and when applied manually. Fuzzy match checks if the description contains your keyword; Exact requires the full description to match.
Categories
Keyword rules categorize transactions automatically on import. AI categorization fills any gaps using Claude. Categories are grouped by parent — subcategories appear indented.
Mortgages & Loans
Liabilities
📅 This is a forward-looking payoff planner — not a spending report. Credit cards are pulled in automatically from your accounts (add their APR by editing the account). Add loans manually to see amortization schedules, total interest costs, and exact payoff dates. To see how much you've historically paid toward debt, see Debts under Reports.
Monthly budgets
🧾 Receipts
💡 Paste or type in any receipt — Ledger extracts every line item, learns to normalize names (e.g. EGGS 18CT → Eggs), and remembers prices. Use the Shopping List and Recipe Costs tabs to project future spending and calculate batch costs.
🔍 Price History Lookup
Start typing to look up what you've paid for any item across all receipts.
🛒 Shopping Lists
💡 Build shopping lists and Ledger will project your total from receipt history — automatically showing what you last paid and at which store. Projections update every time you log a new receipt.
🍪 Recipe Costs
💡 Add your recipes and Ledger calculates exact ingredient costs from your receipt history — per batch and per unit. Perfect for pricing cookies, baked goods, or any product where ingredient costs matter.
Import
📊
Drop statements here — one or many
CSV from any bank · PDF bank statements parsed by AI · Drop multiple files to bulk import · PDFs max 20 MB each
Income Pipeline
💡 Log money you're expecting — AirBnb bookings, work reimbursements, invoices, freelance payments. Once the actual transaction lands in your Transactions tab, open the transaction and link it to the forecast from the Projected Income section.
🔐 Security
📖 Help & Guide
🎓 Financial Education
📈 Equity & RSUs
Projected Expense
💡 Track fixed and recurring expenses — mortgages, subscriptions, loans. Each expense group shows your total obligation and progress paid.
Cashflow Calendar
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Sun
Mon
Tue
Wed
Thu
Fri
Sat
Income Expense CC Payment Savings Withdrawal Negative balance day
Cashflow Settings
Primary Checking Account
Pay Schedules
Credit Card Payments
Auto-generates CC payment events on each card's due date. Choose how much to show per card.
Let's build your budget.
Before we start, pick the visualization that helps you see your money most clearly. You'll watch it fill in as you go.
Option 1
Filling donut
Slices appear as you assign money to each bucket. Great for seeing proportions at a glance.
Option 2
Stacked bar
Taxes 401k Living Savings Fun
A horizontal bar that fills left to right. Watch the "unallocated" grey shrink as your budget takes shape.
Option 3
Sankey diagram
Income Expenses Savings Discr.
Multi-tier flow from income through spending categories. Customize your own hierarchy to see exactly where every dollar goes.
📱 Subscriptions
⚡ Automation Rules
My Rules
Automate your categorization

Set up rules like "when description contains 'Whole Foods' → set category Groceries, mark expense". Rules run on import and when you hit "Apply to All".