Every dollar. Every account. One clear picture. Budgets, bills, net worth, investments, invoices, expenses and taxes — for your household and your business, side by side, without juggling five different apps.
7 days free, then $14.99/month. A card is required to start. You are billed on day 8 unless you cancel before then.
Encrypted data, required two-factor sign-in and no selling of your information.
Ledger organizes your information and prepares it for review by you and your tax professional. Estimates and reports depend on the information you enter.
One login, one dashboard, every part of your financial life.
Bank, credit card, loan and investment accounts sync automatically and update in one place.
Zero-based, category or flexible budgets with rollover, auto-categorization and custom rules.
See every upcoming bill, spot forgotten subscriptions and get reminders before anything is due.
Track assets, debts, portfolios and property values with clear trends over time.
Create branded invoices, track who has paid, and send automatic reminders for late payments.
Snap receipts, split personal vs. business spending, and log mileage in seconds.
Profit & loss, balance sheet, deductible-expense tracking and quarterly estimated tax reminders.
See your balance 30, 60 and 90 days out based on income, bills and spending patterns.
Goes beyondPlain-English answers to "where did my money go?" with personalized savings opportunities.
Goes beyondSwitch views in one click, or look at your complete financial picture at once.
Budgets, bills, savings goals, debt payoff, credit and net worth for the whole household.
Separate business and personal money, capture receipts and mileage, and estimate quarterly taxes.
Invoices, expenses, profit and loss, cash-flow forecasting and year-end forms, next to your personal finances.
| Feature | Budgeting apps | Bookkeeping software | Ledger |
|---|---|---|---|
| Personal budgets & goals | ✓ | — | ✓ |
| Net worth & investments | ✓ | — | ✓ |
| Invoicing & client payments | — | ✓ | ✓ |
| Profit & loss, tax reports | — | ✓ | ✓ |
| Personal + business in one view | — | — | ✓ |
| 90-day cash-flow forecast | — | — | ✓ |
| AI money insights | — | — | ✓ |
Still using a spreadsheet? See how Ledger compares with a spreadsheet workflow.
No tiers, no upsells, no surprise add-ons.
Free for your first 7 days. Or pay yearly: $119.99/year, a 33% saving.
How Ledger protects your data. Card required to start your trial. You won't be charged until day 8. Cancel anytime before then and pay nothing.
Personal information is encrypted in our database, and every connection uses HTTPS.
Argon2id password hashing, automatic lockout after repeated failed attempts, and secure sessions.
Payments are processed by Stripe. Your card number never touches our servers.
It verifies your identity, keeps the platform free of fake accounts, and makes sure there's no interruption when your trial ends. You won't be charged during the 7-day trial.
On day 8, you'll be billed $14.99 and then every month after that. If you choose the yearly plan, it's $119.99 on day 8 and once a year after that. Cancel anytime before the trial ends and you'll pay nothing.
Go to Settings → Billing in the app and cancel in two clicks. No phone calls, no hoops.
Yes — that's what it's built for. Keep separate workspaces, or see everything combined.
Your personal information is encrypted with AES-256, passwords are hashed with Argon2id, and all traffic is encrypted in transit. We never sell your data.
Join free for 7 days. Set up in under five minutes. A card is required to start, and you are billed on day 8 unless you cancel before then.
Encrypted data · Required two-factor sign-in · Your information is never sold