Everything your money needs, in one place
Six tools that work together — not six apps that don’t talk to each other.
A monthly tracker that actually matches your life
See every bill due this month — recurring, one-off, and debt minimums — in one place. Check them off as they hit your account, override an amount for a single month when the electric bill spikes, and watch your real available balance update.
- Mark bills paid in one tap
- Per-occurrence amount overrides
- Auto-pay tagging
Budgeting on the 50/30/20 rule — without the spreadsheet
Group expenses into categories, assign each to needs, wants, or savings, and see exactly where you stand against the 50/30/20 split. Debt minimums roll into needs automatically so nothing is double-counted.
- Needs / wants / savings breakdown
- Auto-included debt minimums
- Category-level budgets
A debt payoff planner with real math
Track every balance, APR, and minimum. The payoff planner uses true amortization — escrow-aware for mortgages — so the months-to-free number is accurate, and shows what an extra principal payment really saves you.
- Accurate amortization
- Extra-payment what-ifs
- Mortgage escrow handling
Income that understands your paychecks
Model weekly, biweekly, or semimonthly pay. Ledger detects “fat months” with an extra paycheck, lets you attribute a check to the month it actually funds, and credits your balance when you mark it deposited.
- Fat-month detection
- Paycheck attribution
- Deposit tracking
Sinking funds & goals you’ll actually hit
Split quarterly and annual bills into monthly installments so the big ones never blindside you. Set savings goals, link them to categories or debts, and fund them straight from a paid bill.
- Installment sinking funds
- Goal progress tracking
- Bill-linked contributions
Your data, yours alone
Ledger is private by design. Your finances live in your own isolated account — no ads, no selling data, no bank-login screen-scraping. Just the numbers you enter, working for you.
- Per-account isolation
- No data selling
- Email + Google sign-in
Up and running in minutes
No onboarding wizard marathon. Three steps.
Create your account
Sign up with email or Google. Your private workspace is ready in seconds.
Add income, bills & debts
Enter your paychecks, recurring expenses, one-off bills, and debt balances. Preset categories get you started fast.
Run your month
Track bills as they’re paid, watch your 50/30/20 split, plan debt payoff, and fund your goals — all in one view.
Questions, answered
Does Ledger connect to my bank?
No. Ledger is intentionally manual-first — you decide what goes in. That means no screen-scraping, no third-party bank credentials, and a clear picture you actually understand.
Is my financial data private?
Yes. Every account is fully isolated — your data is only ever visible to you. We don’t sell data or run ads.
What makes the debt payoff planner different?
It uses real amortization math, not a flat estimate — including escrow handling for mortgages — so the payoff date and interest saved from extra payments are accurate.
What is the 50/30/20 view?
A budgeting framework: 50% of income to needs, 30% to wants, 20% to savings & debt payoff. Ledger maps your categories to those buckets automatically and shows where you actually land.
What are “fat months”?
If you’re paid biweekly, some months have three paychecks instead of two. Ledger detects these ahead of time so you can plan the extra income deliberately.