Personal financial platform
Clear finances.
Confident decisions.
Finance Ledger connects your accounts, spending, savings, debt, investments and goals—and turns them into a clear dashboard for position, risk and next focus.
✓Bank connection✓Automatic categorisation✓Personal period✓AI Insights with evidence✓Context for Bulgaria✓No spreadsheets
Finance Ledger
Welcome back, Dimitar
STATEFinancial picture
Latest completed periodThe period shortfall is €228.57.
See why →Peace-of-mind reserve68%
€10,800.00 / €16,000.00
One system for the financial questions that matter
PositionRiskCash flowGoalsPurchasing power
A connected picture
Data from the places you already use.
Bank connections are read-only. Finance Ledger can receive financial data, but cannot initiate payments or move your money.
From data to clarity
Your complete financial picture starts with a dependable foundation.
Finance Ledger does not present disconnected features. Data is collected once, checked, and used across every important part of the product.
01
Your real data, without retyping
Connect a bank through read-only access. When a bank connection is not available, you can add a statement file instead.
✓Accounts, balances and transactions in one picture.
02
Organisation that happens automatically
Categories, duplicates, internal transfers and personal periods are handled consistently instead of being calculated by hand.
✓Less routine work and more dependable numbers.
03
A complete picture, not just a spending list
Dashboard, analysis, spending, net worth, commitments, goals and economic context use the same reconciled dataset.
✓One consistent logic across the entire product.
01 — CLARITY
Why Finance Ledger
Less financial administration. More understanding.
You should not have to assemble fragments of information and decide what matters on your own. Finance Ledger organises the data so the answer is visible.
01
One picture instead of five different places
Accounts, spending, savings, debt, investments and goals appear as one connected financial system.
✓Less searching. Fewer blind spots.
02
Your period, not an arbitrary calendar
Income and spending are organised around your financial rhythm, so the periods you compare are genuinely comparable.
✓A picture that reflects how you actually live.
03
From numbers to meaning
The dashboard shows your position first, then risk, then what deserves attention—with evidence behind every signal.
✓A clear answer, not another chart.
02 — PERSPECTIVE
Professional thinking, human language
A management-level financial view—made exactly for you.
Large companies do not look at a list of transactions alone. They connect cash flow, liquidity, debt, variances and goals. Finance Ledger applies the same way of thinking to your personal finances—without corporate jargon or heavy reports.
POSITIONWhere do I stand?
One picture of assets, debt, income, spending and reserves.
RISKWhat is changing?
Variances and shortfalls are shown with the exact data behind them.
FOCUSWhat deserves attention?
You see where to look more closely, without the system presenting itself as a financial adviser.
03 — PERSONAL CONTEXT
You are not an average user
The same rules do not work for everyone.
Finance Ledger uses your period, your accounts, your goals and your economic context. That turns generic numbers into a personal picture.
All your accounts are viewed together
Transfers between your own accounts are not counted as new spending. You see what was actually spent.
The completed period is your starting point
The dashboard starts with your latest completed period, showing a complete result rather than a temporary snapshot.
Goals are part of your financial picture
A purchase, reserve or trip—track progress in the same place as the rest of your finances.
The Bulgarian economy enters the picture
Economic indicators are translated into the context of your income and spending, including changes in purchasing power.
04 — AI INSIGHTS
Verified numbers. Clearer explanations.
Not just what happened. What deserves attention now.
Finance Ledger first calculates amounts, signals and priorities with verifiable rules. AI can make the explanation clearer—without changing the numbers, making decisions for you or taking financial action.
Focus, not a feedUp to two primary priorities at a time.
Evidence behind every insightSee the data and logic behind each signal.
Reliable without external AIThe verified report remains available if AI fails.
FINANCIAL GUIDANCEAI Insights
REPORT STATUSYour personal report is ready
Data quality 92/100ACT FIRST1/2
Spending exceeds income
The last three periods are negative. The current shortfall is larger than the previous one.
Financial result−€228.57
Review the causes →
THEN2/2
You can extend the reserve
The minimum target is covered, but the reserve is below six periods.
Current coverage4.4 periods
Review the reserve →
External AI is used only with explicit consent and minimised aggregate data.
Designed to lighten the load
Saves you effort, without creating more work.
Connect a bank or add a statement file. Finance Ledger organises transactions, recognises duplicates and reconciles transfers between your own accounts. The data becomes a financial overview and AI Insights for your period. Balances, recorded assets and liabilities make up your net worth. Connected exchange accounts follow a separate valuation process to show your portfolio values.
Bank accounts
Statement files
Exchange accounts
Finance Ledger
Normalize
Check and categorize
Reconcile
Recalculate
Portfolio valuation
Financial overview
Net worth
AI Insights
Exchange portfolios
Privacy by design
Your financial data belongs to you.
A personal financial picture is only useful when you can trust it. Access is restricted, data provenance is traceable, and the product's boundaries are explicit.
How we protect data →Data & accessProtected
An isolated financial workspace
Data access is restricted to your account and organisation.
Protected sign-in and sessions
Every request is authenticated before it reaches your financial records.
Original data remains traceable
Imports and corrections retain their provenance, so you can verify the result.
Clear product boundaries
Finance Ledger helps you understand your data without presenting itself as a financial adviser.
Finance Ledger is for people who want to understand their finances without needing spreadsheets.