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The personal ledger

Your books,
your way.

PerLedger turns raw bank statements into clean, categorized books. Your own rules come first, and the AI is optional.

Get early access See how it works
  • Export your data any time
  • AI you can switch off
  • Personal, LLC, rental or household
October statement
MerchantCategoryEntityAmount
Blue Bottle CoffeeSQ *BLUE BOTTLE 0423 SFMealsPersonal−$6.50
Home DepotHOME DEPOT #4411RepairsMaple St−$184.20
Rent, Unit 2BACH DEP TENANT 2BRental incomeMaple St+$1,850.00
AmazonAMZN MKTP US*2K4Office suppliesStudio LLC−$42.17
ComcastCOMCAST CABLE 8842UtilitiesHousehold−$89.99
AI on: only dates, amounts and merchant text are sent to categorize.Saved to your account
Yours to exportOr delete, any time
You decide on AIOne switch, on or off
Reads statements from anywhere
In your control

AI is a switch. You hold it.

Your ledger lives in your PerLedger account, and AI categorization is something you can switch off, not something you're stuck with. Switch it off and your own rules and merchant memory do the work.

  • Export or delete, any timeTake your books with you as CSV and other exports, or delete your data.
  • AI is a switchTurn it off and no transaction details are sent to the AI provider. Rules and memory still work. Receipt scanning has its own switch.
  • No tracking add-onsNo ad networks and no third-party error monitoring.
How privacy works
Your PerLedger accountLedger, receipts, reports
AI providerOptional: categorizing, receipt scanning
AI on. To categorize a transaction, its date, amount and merchant text are sent to the AI provider. Receipt scanning has its own switch: while it's on, receipt images are sent to be read.
The personal ledger

One person. Several sets of books.

Your own spending, income and savings, kept apart from everything else. See where the month went without anyone else seeing it.

Groceries & dining42 transactions
$812.40
Utilities6 transactions
$341.18

Book rent, repairs and mortgage interest to each property, then pull a Schedule E–ready report when tax season comes.

Rental incomeMaple St, Unit 2B
$1,850.00
Repairs & maintenanceMaple St
$184.20

Run your LLC or sole proprietorship in its own books. Invoice clients, track 1099 payees and see a clean P&L.

Client invoices3 open
$6,400.00
Office suppliesStudio LLC
$42.17
Explore the personal ledger
Person reviewing their finances at a tidy home desk Yours alone
Net this month
+$1,284.60
From statement to books

Five steps, and you're in charge of each one.

Drag, swipe or use the arrows. Nothing is exported until you've reviewed it.

STEP 01

Import

Drop in a statement from any bank. CSV, QBO, OFX or QIF, in whatever shape the bank exports it.

STEP 02

Categorize

Your rules and memory go first. Turn AI on and it handles the unfamiliar ones. Turn it off and it never runs.

STEP 03

Review

Every row passes through you. Fix a date, a category or a merchant, and PerLedger remembers the fix.

STEP 04

Assign

Book each row to an entity: you, an LLC, a rental, the household. One import, many sets of books.

STEP 05

Export & report

Export your books for whatever comes next, and run P&L, Schedule E and C, and 1099-NEC reports.

What's inside

Everything a careful bookkeeper would do, minus the tedium.

Bring any statement

Different banks, different columns, different date formats. PerLedger reads them all.

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Rules that learn

Every correction becomes a rule, so the next import needs less of your time.

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Merchants, cleaned up

“SQ *BLUE BOTTLE 0423” becomes “Blue Bottle Coffee”, with aliases and 1099 facts attached.

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Receipts that match

Snap a receipt and it finds its transaction. No more shoebox in April.

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Invoices & recurring

Bill clients and tenants, and let standing charges repeat on their own.

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Reports you can file from

P&L, Schedule E and C, 1099-NEC and a readiness checklist.

Learn more
By design

Built around control.

0
transaction details sent to the AI provider with AI categorization off
0
statement formats: CSV, QBO, OFX, QIF
0
access roles: owner, editor, viewer
Who it's for

Made for people who keep their own books.

Landlord outside a small rental property Landlords & investors
Freelancer working on a laptop in a bright studio Freelancers & owners
Family sorting the monthly bills together Households

See who it's for

Take your books back.

Get early access to PerLedger and keep your books your way, with AI only when you want it.

Get early access See how it works