Ledger is built for entrepreneurs, real estate investors, and high earners with multiple businesses, income streams, and 10+ credit cards. Finally, a financial control center that handles all of it.
No credit card required · 14-day free trial at launch
Who it's for
If you've ever tried to manage real estate income, business P&L, and CC benefits in one spreadsheet — this is for you.
Multiple businesses, blended revenue, self-employment taxes, quarterly estimates, and a P&L that actually reflects reality.
Rental income tracking, mortgage amortization, property-level P&L, and deduction capture built in from day one.
Track annual fees, benefits received, and net card value. Know exactly which cards are worth keeping — and which aren't.
W-2, freelance, rental, investments, RSUs — income streams tracked in one place with year-over-year comparison.
Features
Import via CSV or PDF. Claude reviews uncategorized transactions and assigns categories. Automation rules handle the rest on autopilot.
Connect any bank or card. New transactions flow in automatically and surface in a review modal before hitting your ledger.
W-2, self-employment, rental, investments. Federal + state brackets. Quarterly estimates. Deduction tracking. All live as you spend.
Log annual fees and benefits per card. Ledger matches transactions to benefits and shows your net card value — so nothing goes unclaimed.
Tag transactions by business. See revenue, capital invested, and ROI per venture — with blended totals across all entities.
Create trips, tag transactions, track reimbursements. Every business trip is a fully documented expense report when you need it.
Assets, liabilities, net worth — tracked over time with charts. Retirement and investment account balances update manually or via sync.
Cash flow forecasts, retirement portfolio projections, business revenue targets vs. actuals. What-if scenario modeling that doesn't touch your real data.
Upload a PDF paystub. Claude extracts gross, net, federal, state, 401K, and all deductions automatically. Year-over-year comparison built in.
Comparison
Every competitor either shut down, went Apple-only, or built for simple single-income households.
| Feature | Ledger | Monarch Money | YNAB | Copilot |
|---|---|---|---|---|
| Multi-business P&L | ✓ | ✕ | ✕ | ✕ |
| CC benefits tracker | ✓ | ✕ | ✕ | ✕ |
| AI categorization (Claude) | ✓ | basic | ✕ | basic |
| Real-time tax estimator | ✓ | ✕ | ✕ | ✕ |
| Trip expense tracking | ✓ | ✕ | ✕ | ✕ |
| Paystub AI extraction | ✓ | ✕ | ✕ | ✕ |
| Mortgage amortization | ✓ | ✕ | ✕ | ✕ |
| Plaid bank sync | ✓ | ✓ | ✓ | ✓ |
| Works on any device | ✓ | ✓ | ✓ | iOS only |
| Price / month | $29 | $15 | $15 | $13 |
Pricing
One missed deduction or unclaimed credit card benefit covers months of Ledger. Usually in the first week.
14-day free trial on both plans · No credit card required to join waitlist
Early access
Join the waitlist. We're opening access in small batches to make sure the experience is right.
No spam · No credit card · Just early access