ProjectLedger reads your accounts and projects your balance forward from the income, bills and spending you actually have — so “can I afford this?” stops being a guess.
Everything below runs off the same forecast of your real accounts. There is no budget to maintain and nothing to categorise by hand.
Every recurring paycheck, bill and subscription ProjectLedger finds gets projected out. You see the low point coming weeks before you reach it, not the morning it happens.
Put in the thing you want and the date you want it. ProjectLedger replays the whole projection with that purchase in it and tells you what it does to your worst day.
Recurring charges are found from your transaction history, with the evidence attached. Confirm the real ones, dismiss the rest — dismissed stays dismissed.
A semester abroad, a summer, a sabbatical: give it a pot of money and an end date and the app switches from forecasting to a burn-down against that window.
A monthly average hides the week rent and two subscriptions land together. ProjectLedger walks the calendar day by day and surfaces the single worst balance you are heading for.
Illustrative. Dates are examples, not real accounts.
Ask about a specific purchase on a specific date. The whole projection is replayed with it included, and the verdict is the effect on your worst day — not a category you have overspent.
Illustrative. Figures are examples, not real accounts.
You sign in to your bank through Plaid. ProjectLedger receives a token scoped to reading balances and transactions — nothing else, and never your password.
Your history is scanned for recurring income and bills. Each candidate comes with the transactions that produced it, so you confirm or dismiss with the evidence in front of you.
Confirmed patterns are placed on the calendar and your balance is walked forward day by day. The low point and the date you hit it are what you actually see.
Connecting a bank is the part worth being careful about, so here is exactly what happens.
Read the privacy policyThe connection is read-only. There is no transfer, payment or withdrawal capability in the app, because the permission to do it was never requested.
You sign in to your bank through Plaid, not through ProjectLedger. We receive a token scoped to reading balances and transactions — never a username or password.
Access tokens are envelope-encrypted before they touch the database, so a database dump on its own is not enough to read them.
Every account is fully isolated. Nothing is sold, shared, or used to train anything — see the privacy policy, which is short on purpose.
Yes. The Plaid products requested cover balances and transactions. Money movement is a separate permission that ProjectLedger never asks for, so the capability does not exist in the app at all.
About three months. Recurring detection works by finding repeated charges, and below roughly three months of history there is not enough repetition to tell a subscription from a coincidence.
No. There are no envelopes and no monthly budget to maintain. You confirm the recurring items it finds, and everything else is derived from your actual balance and history.
The stored token is removed and syncing stops, so nothing further is read from your bank from that point on.
Bank connections are being opened a few at a time while the projection engine is validated against real history. Join the waitlist and you'll get one email when there's room.
It’s being built carefully, and bank connections are being opened a few at a time. Leave your email and you’ll hear when there’s room.