01
Link your banks
Connect checking, credit cards, and brokerages through Plaid. Tokens are encrypted at rest; transactions sync within minutes of posting.
your bank · your phone · minutes apart
Your money,
texting you back.
Every card swipe lands in your WhatsApp within minutes — already categorized. Reply in plain English to fix it: “that’s groceries”, “split 1/3”, or just attach the receipt.
Open your ledgerfree for now · no card required
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Ledger
online
−$84.20 at Trader Joe’s · Amex Goldfiled under groceries6:42 pm
actually eating out, split 1/36:44 pm
✓ Recategorized to Eating Out — your share is $28.07.6:44 pm
receipt.jpg6:45 pm
Receipt attached.6:45 pm
Blue Bottle−$6.75CoffeeUnited Airlines−$412.30TravelTrader Joe's−$84.20GroceriesPayroll+$4,250.00IncomeCon Edison−$96.12UtilitiesEquinox−$205.00FitnessSweetgreen−$16.40Eating OutVenmo refund+$28.07Refund
how it works
Bookkeeping, reduced to a text.
02
Get pinged on WhatsApp
Every posted transaction arrives as a message — amount, merchant, account, and a category already applied. No app to open, nothing to remember.
03
Reply in plain English
“That's travel and split half.” One reply can recategorize, split, note, exclude — or all at once. Attach a photo and the receipt files itself.
auto-categorization
Three tiers deep, rarely wrong.
A categorization waterfall that always commits an answer — it never interrupts you with “what was this?” When it misses, your one-line reply becomes the rule that fixes it forever.
Tier 1 · Plaid
Bank-grade signals first
High-confidence merchant data from Plaid categorizes the obvious ones instantly — flights are Travel, payroll is Income.
falls through toTier 2 · Your rules
It learns your corrections
Fix a merchant once and a rule is written. The same coffee shop never gets miscategorized twice.
falls through toTier 3 · Claude
An LLM catches the rest
Ambiguous or brand-new merchants go to Claude with full context — including transfer and refund pairing across your accounts.
spent · this month
$2,418
net worth +$1,832 this month
the dashboard
The numbers, when you want them.
Live net worth
Assets minus liabilities across every linked account, snapshotted daily.
Every transaction, filterable
Search, date ranges, category and account filters — all URL-driven and shareable.
Splits that do math
Percent, fixed, or ratio splits — stats always reflect your actual share.
Realtime, no refresh
Swipe a card and watch the dashboard update while the page sits open.
pricing
Free. For now.
Ledger is young and being built in the open. Everything below is included while it grows — no card, no trial clock, no surprise paywall on your own data.
early ledger
$0/ mo
- Unlimited linked accounts via Plaid
- WhatsApp notifications on every transaction
- Conversational edits — split, recategorize, note, exclude
- Receipt photos filed from chat
- Full dashboard: net worth, trends, category mix
- Three-tier auto-categorization that learns
when pricing arrives, early users hear first
The next time your card is swiped,
your phone should know.