Upload your statement. AI finds what's costing you money.
Most users find $150–300/month they didn't know they were spending — forgotten subscriptions, duplicate charges, and category leaks. Upload a statement and see yours in 60 seconds.
Most users find $150–300/month in waste on their first upload — no bank login, ever.
Unlimited uploads
Dashboard
October 2024
Dining spend up 24%
11 restaurant charges on weekends, $340 more than your 6-month average. Mostly DoorDash and Uber Eats.
AI · 94% confidence
3 forgotten subscriptions detected
Adobe Creative Cloud ($54.99), Duolingo Plus ($6.99), and an unrecognized $12.99/mo charge from 'ANNUAL*RENEWAL'
AI · 94% confidence
What it does
A financial analyst, in software form.
The product Mint should have become. Built around documents you already have.
PDF & CSV ingestion
Upload a PDF or CSV from any bank. We extract every transaction using Gemini Vision and apply automatic categorization.
AI categorization
Smart, embedding-driven categories that learn from your corrections. No more rules to write by hand.
Subscription radar
Detect recurring charges across all your accounts. See annualized cost and the next expected charge.
AI Copilot
Ask plain-English questions about your finances. 'How much did I spend on Amazon last quarter?' — answered.
Spending intelligence
Trends, anomalies, top merchants, savings opportunities — surfaced automatically each month.
Works globally
Any bank, any country, any currency. If you have a statement, Ledger AI can read it.
How it works
Three steps to financial clarity.
Upload your statement
PDF or CSV from any bank, anywhere in the world. No login. No OAuth. Just drag and drop.
AI reads every transaction
Ledger AI categorizes spending, detects subscriptions, flags anomalies, and builds your financial picture in seconds.
Get your financial intelligence report
See where your money went, what changed, what's costing you, and what to do next. Ask follow-up questions in plain English.
Want to see the output before uploading your own?
View a real sample reportThe product
Every screen built around intelligence, not data.
Grocery spend dropped 18%
Costco trips replaced weekly supermarket runs. You saved ~$210 this month.
Unusual charge detected
$299 from 'ANNUAL RENEWAL' on Oct 3. You haven't seen this merchant before.
Best savings month in 6 months
Your savings rate hit 26.1%, driven by lower dining and no travel spend.
Pricing
Simple, fair pricing.
Start free. Upgrade when you need more depth. Cancel anytime.
Everything an individual needs — 7-day free trial included.
- Unlimited uploads & history
- AI Copilot chat
- Subscription detection
- Smart natural-language search
- Priority extraction
Forecasting, anomalies, financial coaching.
- Everything in Pro
- Advanced AI insights
- Cash-flow forecasting
- Anomaly detection
- Financial health score
Built for freelancers & consultants.
- Everything in Premium
- Business expense tagging
- Tax-deduction detection
- Quarterly tax estimation
- Accountant-ready exports
Not sure yet? Analyze a few statements first.
- 3 PDF uploads / month
- 90-day history
- Basic dashboard
- AI categorization
- CSV export
Privacy-first
Your financial data stays yours.
We never ask for your bank credentials. There's nothing to phish, nothing to leak, nothing to break when your bank changes APIs. You upload statements; we analyze them. That's it. Delete everything in one click, anytime.
- No bank login or credentials required
- Encrypted upload and at-rest storage
- Per-user data isolation enforced at the database
- One-click delete — your files and transactions, gone
- Works offline of any banking integration
FAQ
Common questions.
Stop guessing where your money goes.
Upload your first statement in under 30 seconds. Free forever for 3 statements a month.
Free forever for 3 statements · No bank login · Cancel anytime