Ledger 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.
Every recurring paycheck, bill and subscription Ledger 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. Ledger 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.
Connecting a bank is the part worth being careful about, so here is exactly what happens.
The 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 Ledger. 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.
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.