paid-off
Debt → zero
Mara cleared $18k of credit cards in 14 months with envelopes.
$18k → $0
Net worth, in one place
money,in order.
A calm net-worth tracker that pulls every account into one place, shows you where the money actually goes, and keeps one number honest.
● net worth +$2,481
01
How it works
Three steps. No spreadsheet wrestling.
/ 01
Connect your accounts
Link banks, cards, and brokerages. Ledger pulls everything into one place and keeps it current.
/ 02
Watch it sort itself
Transactions are auto-categorized, recurring charges flagged, and net worth computed nightly.
/ 03
Read the one number
One calm number, with the bars behind it — so the decisions make themselves.
02
Everything but the noise
See more, chase less.
The one number
Net worth, computed nightly, in a single glance.
Auto-categorize
Every transaction filed for you, learning your edits.
Renewal alerts
Recurring charges spotted before they hit again.
Envelope budgets
Zero-based and envelope methods, without the cash drawer.
Tax-lot detail
Know the cost basis of every share before you sell.
Community + coaches
Free guidance from people who've been through it.
03
The money, up close
Shot where the decisions actually happen.
04
Where the money goes
One chart, every category, no guesswork.
Ledger files every transaction, so the answer to "where did it go?" is always a bar, never a feeling. Rent, groceries, transport, subscriptions, savings — stacked, colored, honest.
RentGroceriesTransportSubscriptionsSavingsFun
$4,120this month
05
The quiet ritual
One session, one frame at a time.
the weekly check-in · RDNE Stock project
06
Four money stories
Real people, real numbers.
saved
First $10k
Diego automated 20% of every paycheck and watched it compound.
$0 → $10k
sabbatical
The gap year
Priya funded a year of travel down to the airport sandwich.
12 months
FIRE
Retire early
Sam hit 25x expenses at 41 and cut the cord.
41 → free
From the desk of Priya Raman
A budget isn't a diet. It's a map.
I used to think tracking money meant giving things up. Then I actually looked at where mine went — and it turned out I wasn't overspending, I was blind. A third of it vanished into subscriptions I forgot and "it's only $9" coffee.
So I built ledger around one idea: if you can see the whole picture in one calm place, the decisions make themselves. No shame, no spreadsheet wrestling. Just the one number, and the bars behind it.
Here's the invitation: connect an account, wait a week, and read the chart. That's the whole product.
Priya RamanFounder, LEDGER
07
By the numbers
Live, from our backend.
4.8M
transactions tracked
128k
people
2.1M
budgets running
86k
community members
08
People who finally saw it
The chart changed everything.
★★★★★
"I've tried every budgeting app. Ledger is the only one that showed me one number I could actually trust."
June P.Paid off $12k
★★★★★
"The renewal alerts alone found me $67 a month in subscriptions I forgot I had."
Marcus T.Freelancer
★★★★★
"I stopped dreading my money. Five minutes on Sunday, and I know exactly where I stand."
Sofia A.New budgeter
09
The roadmap
Where we're going.
Q3 2026
Account linking + the one number, live in beta.
Q4 2026
Envelope budgets and recurring-charge alerts.
Q1 2027
Tax-lot tracking and retirement projections.
Q2 2027
Community coaches and local meetups, everywhere.
10
Questions, answered.
How does ledger compute net worth?+
Every linked account is tallied — assets minus liabilities — and refreshed nightly. You always see yesterday's close, not last month's guess.
Is my bank data safe?+
Ledger uses read-only connections. It can see balances and transactions, never move money. Data is encrypted in transit and at rest.
Does it work with crypto?+
Yes — link a wallet address or add holdings manually, and it folds into the same net-worth number.
Is it free?+
Yes — the core tracker and budgets are free during beta and stay free after launch.
Do you sell my data?+
Never. Your financial data is not for sale, not shared, and not used to advertise to you.
Can I export everything?+
Always. CSV, PDF, or raw JSON, one click. Your numbers belong to you.
The number is already yours.
money, in order.
photo · Elle Hughes