Personal & business finance, reconciled

Every account you own — and owe — in one ledger.

Checking accounts, credit cards, crypto wallets, mortgages, the electric bill, and the loan application you're still waiting to hear back on. Ledger keeps a single, honest record of all of it.

The chart of accounts

Whatever it is, it has a line.

Most finance apps track a checking account and call it done. Ledger was built for the full picture — the accounts that make money, the ones that cost money, and the ones you're still applying for.

DEPDepositChecking, savings, money market, certificates of deposit
CRCreditCredit cards, personal lines of credit, HELOCs
INVInvestmentBrokerage, 401(k), 403(b), IRA, Roth IRA, 529, HSA
XBTCryptoSelf-custody wallets and exchange accounts
ASTAssetReal estate, vehicles, anything you own outright
UTLUtilityElectric, gas, water and sewer, internet, phone
LIALiabilityAuto loans, personal loans, student loans, mortgages

While you're waiting to hear back

Applications get tracked too.

Every credit card, loan, or account application — with the institution's details, up to ten supporting documents, and a status that isn't just "pending."

Approved

Open & Track Account

One click carries the institution, the terms, and the paperwork straight into a new tracked account — pre-filled, with the open date set to today and yours to adjust.

Declined

The reconsideration letter, drafted for you

Upload the adverse action notice and Ledger pulls the stated reason into your notes, then fills a reconsideration letter you can print or save — ready to send in your own words.

Ready when you are

Stop reconciling your finances across six different logins.

One ledger. Every account, every application, every statement — kept in one place.