Ledger is a personal finance dashboard that gives you a complete, honest view of your financial life — all in one place.
I built Ledger so you can connect securely to all of your bank accounts and credit cards in one place — to track your balances, transactions, and recurring payments automatically. No spreadsheets. No guesswork. No data selling.
Only clarity.
Ledger is designed for people who want to understand their money, not be sold to. I focus on Insight, not pressure. Transparency, not manipulation.
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Institutions
2+ Years
Transaction History
Bank-Level
Encryption
Auto-Sync
Updates
You should be controlling your finances — not the other way around.
Most personal finance apps are broken in predictable ways — cluttered interfaces pushing credit products, rigid budgeting systems that don't match how you actually live, and zero insight into whether you're improving or just repeating last year's mistakes.
I built Ledger because I grew frustrated with these apps myself. Ledger doesn't tell you how to manage your money. I don't judge your spending. I don't push any products.
I simply give you the tools to see clearly, decide confidently, set goals, and stay in control of your money.
Ledger is not
A bank
A robo-advisor
A budgeting coach
A credit score optimizer
Ledger is
A companion tool that makes your financial life visible, manageable, and entirely yours.
Everything Ledger gives you — no filler, no noise
Secure Bank Connections
Connect via Plaid — the same infrastructure trusted by Venmo, Robinhood, and thousands of financial apps. Your bank credentials never touch Ledger's servers. Read-only access means we can never move money. Disconnect anytime with one click.
Spending Analytics
Every transaction is automatically categorized and presented through interactive charts — daily, weekly, monthly, or yearly. Category breakdowns, merchant-level drill-downs, income vs. expense tracking, and year-over-year comparisons that update in real time.
Subscription Detection
Automatically identifies recurring charges across all your accounts — streaming services, gym memberships, forgotten trials. See your total subscription spend at a glance, track frequency and price changes, and never miss a hidden charge again.
Smart & Traditional Budgets
Two ways to budget: set traditional limits by category or merchant with daily spending charts, or let the Smart Budget Card analyze your real spending patterns to show daily allowances, burn rates, and projected end-of-period balances — all adapting in real time.
Quill — AI Assistant
Ask questions about your finances in plain English. "How much did I spend on food last month?" Quill sees your transactions, balances, and budgets to give precise, contextual answers. Privacy-first — no chat history stored.
Financial Folders
Organize transactions into custom folders for trips, projects, tax prep, or anything else. Toggle auto-capture mode to collect new transactions automatically, or pin specific ones manually. Per-folder analytics show spending, income, and net totals.
Achievements & Weekly Challenges
Engage weekly with financial challenges and track your progress with a skill tree. Make achievements glow as you build better habits — from no-spend days to staying under budget. Customize difficulty levels and see how you face these challenges each week.
Automatic Sync & 2+ Year History
Your data updates automatically when Plaid receives it from your bank. Pull in up to 2+ years of transaction history on first connect. Manual Production refresh available for purchase when you need it. Clear status indicators if anything needs attention.
Your Data Isn't My Product
I don't sell your financial data. Transactions have a 2-year rolling deletion. Ledger never keeps any personal information. Period.
Built by Someone Who Uses It
I use Ledger every day to manage my own finances. Every feature exists because I needed it.
Privacy-First, Always
No ads. No affiliate links. No selling your data. Ledger exists to serve you — not monetize you.
Affordable by Design
I charge what it costs to maintain, not what I can get away with. Making financial tools accessible matters.
Built with Plaid, Next.js, React, TypeScript, Tailwind, NextAuth, Prisma, Supabase, Vercel, Lucide, logo.dev, SVG Repo, Leaflet, Recharts, Framer Motion, OpenRouter (Trinity, Step 3.5 Flash, DeepSeek R1T2 Chimera). Full list
Join others who've found clarity with Ledger
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