See where your money goes, plan your budget, track spending as the month goes and project when you could retire.
Ledger| 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% |
Ledger turns your bank statements into a plan. See where your money goes, set a budget, track the month as it happens and project when you could retire. No bank login needed.
Every screen and tool is free. The code is open source.
It reads PDF and CSV statements, so there is nothing to connect.
Run it yourself, edit it or have a coding assistant such as Claude Code or Codex update it for you.
Turn your bank statements into a complete financial plan in a few minutes.
Watch the tutorialGet PDFs or CSVs from any bank, for any accounts. Checking, savings and credit cards all work.
Copy Ledger's prompt and read it first, so you know exactly what it asks for. Then give it to ChatGPT or Claude with your statements and let it make the file. It checks its own math against every statement.
Upload the file it makes to Ledger, never your statements, and start exploring your finances. In our demo, 15 statements took 78 seconds.
Five screens that share the same numbers.
Analyze your spending by category, track trends over time and review every transaction from your statements. Every subscription is found for you.
Your monthly plan, side by side with what really happened. Most of it fills itself in from your statements.
Statements lag by weeks. The Log is where you note what you spend during the month, so you never fall behind by accident.
What you own and what you owe, in one place. Tools and Retirement build on these numbers.
Project how your savings grow and find the earliest age you could retire without running out of money.
| 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 |
Tools, backups and a short video to get you started.
Calculators for what comes up in real life, from take-home pay to debt payoff. Show only the ones you want.
Download them from any bank, for any account.
Export your data and settings as one file and upload it to pick up where you left off.
Your statements never go to Ledger. You download them from your bank and give them to your own AI assistant (ChatGPT or Claude) with the import prompt. The prompt tells it to keep only the date, merchant, amount and category, plus the last four digits of each account, and to scrub out your name, address and anything else that identifies you. That is just an extra precaution, because your statements are never uploaded to Ledger anyway. You upload only the file it makes, and it is kept in your browser. If you would rather keep everything on your own computer, run Ledger yourself with a coding assistant like Claude Code or Codex.
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.
In your browser, on your computer. Your statements and the numbers you enter are not uploaded anywhere. 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.
Only usage details. They are sent to track how the site is used for product design and analytics, and to make sure the app works well. It is just which page and tool is used plus a random session ID. No personal information and no actual values you enter are ever sent.
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.
No. Ledger is free and open source. You only need an AI assistant like ChatGPT or Claude for the import.
No. The tools and the retirement projection are estimates in today's dollars, meant as a guide. Talk to a professional for big decisions.
Powerful and free. Just your data, your plan and your goals.