No card required. Starter categories and rules are set up for you.
Current, savings, credit, cash and investments; each with a live balance calculated from opening balance plus transactions.
Drop a bank export and columns are auto-mapped. Duplicates are flagged, both number formats and delimiters are handled, before you commit.
Match on description, merchant, amount ranges or regex. Rules run automatically on import, or re-run on everything you already have.
Drag widgets anywhere on a live grid and resize them freely, then pick how each one visualises your data - bar, line, donut or list - down to drilling into a category's own subcategories.
Monthly per-category limits, savings goals linked to an account, two-legged transfers kept out of your spending totals.
Colour-coded, split into spending and income, with optional sub-categories (plus automatic recurring-payment detection).
Most budgeting tools store your transaction details in plain text. Ledgerly encrypts the sensitive fields before they're stored, so a raw copy of the database alone doesn't expose them.
Transaction descriptions, merchants and notes are encrypted before they're ever written to the database.
The encryption key is held separately from the database itself, so a database leak alone doesn't expose your transaction details.
Your data lives in a single database operated directly by whoever runs this instance - not resold to data brokers or analytics platforms, and never shared with advertisers.
Create an account, import a statement, and watch your budgets and net worth update themselves.
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