In this example, May had the most left over.
You earned about what you always do. You just spent less than any other month all year.
JFMAMJJASOND
Know where
every dollar
goes.
LEDGR is a Canadian budgeting app for web and iPhone. Review bank or CSV imports, understand your spending, and build your monthly Spending Plan.
A 14-day trial is available on eligible plans.
Price, trial eligibility, renewal, and cancellation terms are shown before you start.
Top Signal
This monthGroceries down 22%
from last month
Illustrative demo data. Your figures and results will differ.
CSV import with reviewMerchant category rulesMonthly spending insightsSavings rate trendsTime Machine scenarios
CSV
import bank exports
Rules
reuse category mappings
12 mo
explore what-if projections
Tools for understanding your own numbers
Your bank knows what you bought.
It just won’t tell you.
Your bank shows you this
LEDGR shows you this
Cryptic codes. No context. No categories.
Just a wall of numbers that tells you nothing.
Every line named.
Two of these are worth cancelling.
You deserve to see this
An illustrative ledger
Explore a six-month example.
Illustrative demo with fictional data. These are not customer results or guaranteed savings.
$5,240Kept, cumulative
31%Savings rate
- M1Review recurring charges+$420
- M2Compare a change in monthly spending+$630
- M3Check the grocery category trend+$840
- M4Compare categories with your plan+$990
- M5Review bank fees in the ledger+$1,080
- M6Look back across six months+$1,280
Use your own transaction history to see how income, spending, and money kept change over time.
Time Machine
See next year before you get there.
Move a slider to compare a spending scenario with the example baseline. The dotted line stays put so you can compare the two estimates.
Illustrative demo with fictional data. Assumes constant monthly income and spending over twelve months, with no investment returns. Projections are estimates, not guaranteed savings.
$390/mo-25%
$780/mo
$140/mo
Illustrative 12-month difference+$1,560
This example projects $28,043 instead of $26,483.Adjusted scenarioExample baselineNow → Month 12
Make room for your next money decision.
Example workflows to try in LEDGR.
Okay, but how does it work?
Import, review, then explore your monthly Spending Plan and insights.
Product demos use illustrative data, not customer results.
01Connect
Bring your transactions together.
Check your bank in the Plaid connection flow, or import a CSV bank export. Availability and reauthentication vary by institution and account. CSV imports are staged for review; check ledger activity after connecting a bank.
Everything your bank app
should have been.
Product demo with illustrative data, not customer results.
Insights
Spending shifts, savings momentum, and the one signal that matters.
Analytics
Category breakdowns, trends, and intelligence that compounds over time.
Spending Plan
Set budgets by category. Track where you stand in real time.
InsightsThe patterns you
The patterns you
never noticed.
Your bank shows you transactions. LEDGR tells you what they mean: where your spending shifted, whether you are saving more, and the one thing worth knowing this month.
Spending PlanSpend with
Spend with
a plan.
Set budgets by category and track where you stand in real time. No spreadsheets, no guesswork. Just a plan that keeps itself up to date.
Plan Status
9 of 11 categories
covered
54% of $9,000 income planned
Explore eligible trial plans →
What will you discover?
Start with your own records. Explore the questions that matter to you.
Where your money actually goes
Review spending by category and merchant, using the transactions you have added to your ledger.
Your real savings rate
See how much of your recorded income remains after spending, and compare your savings rate across months.
Recurring payments worth reviewing
Review recurring charges in your transaction history and decide which services you still want to keep.
A scenario for next year
Adjust spending assumptions in Time Machine to compare estimated paths over twelve months. Actual results depend on your income and spending.
Year in review
A year of money you’ll actually want to finish.
See what you earned, what you spent, and what you actually kept. Told like a story instead of a spreadsheet.
Illustrative recap with fictional data. These are not customer results or guaranteed savings.
You kept more of what you earned.
This fictional example compares savings rates at two points in the year.
18%31%
of everything you earned
See what changed. See what it changes.
Your financial history should
help with your next decision.
Make sense of the last few months, and see the next twelve as a projection.
US$9.99 a month, or US$99.99 a year.
A 14-day trial is available on eligible plans.
Web pricing in US dollars. Check the checkout or App Store sheet for the price, currency, and renewal terms before confirming.
Trial eligibility and cancellation terms are shown before you start.
Prefer your phone? Get LEDGR for iPhone.
Download on the App StoreNo ads. We do not sell your financial data. Privacy policy
Frequently asked questions
Who publishes LEDGR?
LEDGR is published by Ledgr Financial Inc. The iPhone app is listed as LEDGR Money on the App Store. LEDGR is available on the web and on iPhone.
Is LEDGR free?
LEDGR offers a 14-day trial on eligible plans. Web pricing is US$9.99 a month or US$99.99 a year. The checkout or App Store sheet shows the current price, currency, trial eligibility, renewal period, and cancellation terms before you start. Public web signup may be unavailable; check the iPhone app for signup options.
Is my financial data safe?
LEDGR uses read-only Plaid connections and cannot move money. LEDGR does not sell your financial data or run ads. You can disconnect a bank connection or request account deletion. The Privacy policy explains how your data is stored and processed.
Do I have to categorise everything myself?
You can review imported transactions, assign categories, and reuse your choices through merchant mapping rules. CSV imports go through staging for review. Plaid onboarding can add imported transactions automatically, so check the ledger and categories after connecting.
Does LEDGR work with my bank?
LEDGR uses Plaid for bank connections. Availability and reauthentication vary by institution and account. Check your bank in the connection flow; if it is unavailable, you can import a CSV bank export and review the transactions before adding them to your ledger.
Is there an iPhone app?
Yes. LEDGR runs on the web and on iPhone, and it is the same account either way. Check one number in the queue for coffee, or sit down with the whole picture on a laptop on Sunday.
How is LEDGR different from Mint, Monarch, or YNAB?
LEDGR combines bank or CSV imports, category and exclusion controls, and a monthly Spending Plan. Review imported activity in your ledger, use Insights and Top Signal to understand it, and explore estimates in Time Machine. CSV imports are staged for review; Plaid onboarding can add transactions automatically.