Ledger reads your bank and credit-card statements, sorts every line, shows income against outgo, and writes a professional assessment with a payoff plan you can act on this month.
Accounts are created by invitation. Ask your administrator for access.
Upload a CSV from any bank or card. Ledger does the tedious part, then tells you what to do about it.
Every transaction is sorted into groceries, dining, subscriptions, debt payments and more. Correct one line and the merchant is remembered everywhere.
Paychecks and payouts are matched against real deposits, so you see the actual monthly surplus — or the deficit — and how much of it is optional spending.
Subscriptions and memberships are found by rhythm, not by name, including the ones you forgot about. They become the cut list.
Avalanche against snowball, with a slider for extra payments. See the debt-free month, total interest, and the order of attack.
A formal report: executive summary, spending analysis with your real merchants, cut list with annual savings, debt plan, and a path to your next goal.
Each account's data is isolated. Sign-in is protected by an authenticator app, and every login and admin action is logged.
Most people are looking at their first assessment within twenty minutes.
Take-home pay, each card and loan with its balance, APR and minimum.
Export CSVs from your bank and card sites. Columns are detected for you.
Cash flow, spending by category, recurring charges, and a debt-free date.
A written plan with specific cuts and a monthly amount to commit to debt.
Security is not a settings page here; it's the default.
Sign in to your account, or create one if your administrator has opened registration.