Financial planning that doesn't oversimplify you.
See where your money goes, plan your budget, track spending as the month goes and project when you could retire.
- No bank logins or accounts
- Your data stays in your browser
- Free and open source
LedgerAccounts
| Category | Amount | % |
|---|---|---|
| Housing | $3,300.00 | 51.5% |
| Food & Dining | $737.96 | 11.5% |
| Transportation | $572.34 | 8.9% |
| Other | $536.57 | 8.4% |
| Shopping | $417.83 | 6.5% |
| Taxes & Fees | $300.00 | 4.7% |
| Bills & Utilities | $242.77 | 3.8% |
| Health & Insurance | $189.99 | 3.0% |
| Subscriptions & Software | $90.96 | 1.4% |
How it works
Turn your bank statements into a complete financial plan in a few minutes.
Watch the tutorialDownload statements
Get PDFs or CSVs from any bank, for any accounts. Checking, savings and credit cards all work.
Use the import prompt
Copy Ledger's prompt and give it to ChatGPT, Claude or Codex with your statements. It checks its own math against every statement.
Upload and go
Upload the file it makes and start exploring your finances. In our demo, 15 statements took 78 seconds.
See what actually happened.
Analyze your spending by category, track trends over time and review every transaction from your statements.
- Category → subcategory → store
- Trends and cash flow views
- Every subscription found for you, with the day it bills and what it costs
- Transaction and income tables
- One month, the last 3 or 6, or the year to date
Plan what you can afford.
Your monthly plan, side by side with what really happened. Most of it fills itself in from your statements.
- Income from your paychecks, a tool or a number you type
- Simple rows, or stacks like a weekly grocery list
- Subscriptions that update themselves
- Split what's left between savings and goals
Track it as it happens.
Statements lag by weeks. The Log is where you note what you spend during the month, so you never fall behind by accident.
- Amount, note, budget row and date
- A meter for every row you track
- Log by hand, or have your assistant do it
Answer the money questions.
Calculators for what comes up in real life. Show only the ones you want.
- Take-home pay after tax, 401k and insurance
- Debt payoff, rent scenarios and the 40x rule
- Equity payouts for RSUs, NSOs and ISOs
- Taxes for all 50 states, DC and New York City
Know where you stand.
What you own and what you owe, in one place. Tools and Retirement build on these numbers.
- Debts with balance, rate and payment
- Payments linked to your budget rows
- Savings you can use and accounts that are locked
- The state you live in sets your taxes everywhere
See the years ahead.
Project how your savings grow and find the earliest age you could retire without running out of money.
- Starts from your real balances and budget
- Social Security, a down payment, an options payout
- Separate investments for after you retire
- A year by year table of your whole plan
| Age | Phase | 401k | Withdrawals | Total |
|---|---|---|---|---|
| 36 | working | $139,367 | — | $107,631 |
| 37 | working | $170,655 | — | $234,862 |
| 38 | working | $204,478 | −$80,000 · house | $290,029 |
| 39 | working | $241,041 | — | $428,637 |
| 55 | retired (pre-401k) | $1,408,568 | −$84,000 | $1,420,961 |
| 60 | retired | — | −$84,000 | $3,279,639 |
Private by design
Ledger never connects to your bank. There are no logins, no accounts and no server holding your data. Export a backup anytime.
Free and open source
Ledger is fully open source. Use it, change it and run it yourself. A coding assistant such as Claude Code or Codex can also read your statements and update your data directly.
Plan for the long term.
Project when you could retire, see how your savings grow over time and test different plans based on your real numbers.
Explore RetirementQuestions
Is it safe to give my statements to an AI assistant?
The assistant reads your statements. Ledger itself never sees them, only the file the assistant makes. The import prompt keeps just the last four digits of each account, and you can black out account numbers before you share anything. If you would rather keep everything on your own computer, run Ledger yourself with a coding assistant like Claude Code or Codex.
Which banks work?
Any bank that lets you download statements as PDF or CSV. Mix as many banks and accounts as you like: checking, savings and credit cards.
Where is my data stored?
In your browser, on your computer. Nothing is sent to a server. Use Export data any time to save a backup. It is one file, ledger-data.json, with your statements, budget and settings. If your browser is ever cleared, upload it again.
How do I add next month?
Click Export data to save your latest ledger-data.json. Give that file to your assistant with the new statements and the import prompt. It adds the new month and keeps your budget and plans as they are. Then upload the file it gives back.
Does it cost anything?
No. Ledger is free and open source. You only need an AI assistant like ChatGPT, Claude or Codex for the import.
Is this financial advice?
No. The tools and the retirement projection are estimates in today's dollars, meant as a guide. Talk to a professional for big decisions.
Take control of your money.
Private, powerful and free. Just your data, your plan and your goals.