Your most consistent month was May.
You earned about what you always do. You just spent less than any other month all year.
JFMAMJJASOND
Know where
every dollar
goes.
You’re not bad with money. You’ve just never seen it in a language you speak.
Free for 14 days. Most people find the first thing they were losing money on before the trial is up.
No card charged today · Cancel in one tap
Top Signal
This monthGroceries down 22%
from last month
“Found $340/mo I didn’t know I was losing.”Marcus“Savings rate: 8% → 34% in three months.”Anika“Cancelled 3 subs I forgot about. Week one.”Jamie“Set up at lunch. Understood my money by dinner.”Tessa“$2,400/mo in spending and I finally know where.”Jordan“Groceries down 22%. Didn’t even feel it.”Nate“Year in Review showed me I saved $8K. I cried.”Chris“My partner and I stopped fighting about money.”David
“Found $340/mo I didn’t know I was losing.”Marcus, Account Executive“Savings rate: 8% → 34% in three months.”Anika, Nurse Practitioner“Cancelled 3 subs I forgot about. Week one.”Jamie, Graphic Designer“Set up at lunch. Understood my money by dinner.”Tessa, Freelance Writer“$2,400/mo in spending and I finally know where.”Jordan, Junior Developer“Groceries down 22%. Didn’t even feel it.”Nate, Product Manager“Year in Review showed me I saved $8K. I cried.”Chris, Teacher“My partner and I stopped fighting about money.”David, Operations Manager
93%
understand their money better
90 sec
to set up
$340
avg hidden spending found
Based on LEDGR user activity
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
The Ledger Effect
What six months of clarity looks like.
$5,240Kept, cumulative
31%Savings rate
- M1Three subscriptions you’d swear you cancelled+$420
- M2Cancelled in one sitting. $47 a month, back.+$630
- M3Groceries fell 22%. Nobody ate less.+$840
- M4Every category landed where it should.+$990
- M5That $4.95 bank fee? One call. Gone.+$1,080
- M6You open it out of curiosity now, not dread.+$1,280
Six months in, checking your balance stopped being something you brace for.
Time Machine
See next year before you get there.
Move one number and watch next year change. The dotted line is where you are headed right now. It stays put, so you can see what one small decision is actually worth.
$390/mo-25%
$780/mo
$140/mo
What a year of this is worth+$1,560
You would have $28,043 instead of $26,483.If you change itIf you do nothingNow → Month 12
“LEDGR didn’t just show me where my money was going. It showed me where my life was going.”
Okay, but how does it work?
90 seconds to set up. Seriously. By dinner, you’ll get it.
01Connect
Connect your bank in seconds.
Link your accounts through Plaid, the same secure connection used by Venmo, Robinhood, and thousands of other apps. Your credentials never touch our servers.
Everything your bank app
should have been.
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
Start your free trial →
What will you discover?
Everyone finds something different. Here’s what most people don’t expect.
Where your money actually goes
Not where you think it goes. Where it actually goes. The answer usually surprises people.
Your real savings rate
Most people guess 15%. The real number is usually lower. Knowing it is the first step to changing it.
The subscription you forgot about
Most people find 2 or 3 subscriptions they forgot they were paying for in the first week. That is usually $30 to $80 a month, straight back to you.
What you can afford next year
A vacation? A down payment? A career change? LEDGR shows you the math, not just the dream.
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, and yours to keep.
You kept more of what you earned.
Your best stretch started the month you stopped letting the small stuff creep up.
18%31%
of everything you earned
Web & iPhone
The five-second check. And the Sunday reckoning.
Glance at it in the queue for coffee, when all you can handle is one number. Sit down with the whole thing on Sunday, when you can. Same account, same truth, whichever one you are brave enough to open.
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 coming.
US$9.99 a month, or US$99.99 a year.
Most people find more than that in their first week.
US pricing. If you are billed in another currency, the exact amount is shown at checkout before you confirm.
14 days free first · Cancel anytime · Web + iPhone
Prefer your phone? Get LEDGR for iPhone.
Download on the App StoreNo ads, no data selling, ever. Privacy policy
Frequently asked questions
Is LEDGR free?
The first 14 days are free. After that it is US$9.99 a month, or US$99.99 a year if you pay up front. Those are US prices, and if you are billed in another currency the exact amount is shown at checkout before you confirm. You add a payment method to start the trial, but nothing is charged until the 14 days are up, so cancel before then and you pay nothing at all.
Is my financial data safe?
LEDGR connects to your bank through Plaid using read-only access, so we can see transactions but can never move money, and your banking password never touches our servers. We do not sell your data and there are no ads. Disconnect an account whenever you like and the connection ends immediately.
Do I have to categorise everything myself?
Only at the start, and it takes minutes rather than evenings. You swipe through your first batch of transactions once and LEDGR learns how you name things. After that most of each month arrives already sorted, and you only touch the handful it is unsure about.
Does LEDGR work with my bank?
LEDGR connects to thousands of banks through Plaid, including all the major Canadian ones. Link an account and your history comes across automatically, so you can see your last few months on day one instead of starting from an empty page.
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 has plenty of charts. The difference is that it reads them for you. Every month it puts one Top Signal at the top, so you start with a conclusion instead of hunting for one, and the Time Machine shows what a single change is worth over the next year. YNAB asks you to adopt a budgeting method and keep it up. LEDGR asks for about 90 seconds of setup, then tells you what changed and what it is costing you.