Personal finance · Swiss-precision budgeting
The average Ledger household ends the month with more in savings than they started — because every franc is given a job before it's spent.
How it works
Ledger isn't a feed of charts. It's a small set of decisions you make once, then forget — while the numbers stay honest.
01 — Envelopes
Split your income into named envelopes — Rent, Groceries, Travel, the book you've been meaning to buy. When the money is gone from an envelope, it's gone. No overdraft surprises.
02 — Forecast
Ledger projects your balances forward using your recurring income and bills. You'll know in March whether December is comfortable — and exactly which envelope to trim.
03 — Reports
On the first of every month, Ledger sends you a one-page report: where the money went, what stayed on budget, and the single category that grew most. No dashboards to decode — just the truth, in prose.
The dashboard
No tabs, no nested menus. Your balance, your envelopes, and your forecast — visible the moment you open Ledger.
Available balance
Across 2 accounts · Updated 4 minutes ago
Pricing
No usage tiers, no per-account fees. One price, billed annually or monthly. Cancel anytime — your data exports as a clean CSV.
Free, forever
For one person getting their first budget in order.
per month, billed annually
For couples and families sharing a budget in real time.
per month, billed annually
For freelancers and small households with complex cash flow.
Customers
We don't publish screenshots of big wins. We publish what people wrote us, unedited, after the novelty wore off.
"I'd tried four budgeting apps. Ledger is the first one I didn't abandon by week three. The monthly report is the only feature I needed — one page, no charts to interpret."
"My partner and I finally agree on money. We each have our own envelope for 'no questions asked' spending, and the shared ones are transparent. It removed the friction, not the honesty."
"The forecast caught a cash gap three months before it would have bitten. I adjusted one subscription and the curve changed. That single moment paid for five years of Ledger."