Ledger by LAC Tech
Bank-linked budgeting, without the guesswork.
See everydollar.Cancel every leak.
Ledger connects your bank accounts, sorts six months of history into real categories, and flags the recurring charges you stopped noticing months ago.
$3,412.88
$487.36 / month
$268.98 potential savings
01 — Features
A money dashboard that actually changes behaviour
Every account, one balance
Link checking, savings, and credit cards read-only, or import CSV/OFX statements. Balances and transactions refresh automatically.
Recurring charge radar
Ledger fingerprints repeating merchants so you can see exactly what renews next week — and what to cut.
Habits, not just totals
Six months of category trends, month-over-month deltas, and the merchants quietly eating your paycheck.
Budget guardrails
Set a monthly ceiling per category and watch the burn-down in real time before the month gets away.
02 — Pricing
One plan. Everything included.
$29.99 per month, or $323.89 a year — 10% off and two months of insight for free. No upsells, no feature tiers, no hidden fees.
- Unlimited linked accounts
- Automatic transaction categorization
- Recurring charge detection
- 6-month spending trends
- Category budget guardrails
- CSV/OFX import support
- Read-only bank access
- 256-bit encryption
- 14-day money-back guarantee
$29.99/mo
Month-to-month
$323.89/yr
10% off annual
Read-only
Can't move money
Encrypted
Bank-grade security
03 — Guides
Guides worth your evening
Long-form writing on the parts of personal finance that actually move numbers — subscription audits, budgeting methods that survive real life, and bank-linking safety.
How to find every forgotten subscription draining your account
A step-by-step method for auditing six months of bank history, spotting recurring charges you forgot about, and cancelling them without losing anything you actually use.
Read on LedgerZero-based budgeting, explained without the spreadsheet evangelism
What zero-based budgeting actually means, who it works for, where it fails, and how to run a lighter version of it using your real bank history instead of forecasts.
Read on LedgerIs it safe to link your bank account to a budgeting app?
How bank aggregation actually works, what read-only access does and does not permit, the questions worth asking any finance app, and the red flags that should end the conversation.
Read on Ledger04 — Recognition
Recognises the merchants you actually pay
Ledger matches each charge to a real brand, so your feed reads like a receipt pile you can scan in seconds — not a wall of bank gibberish.
Ledger by LAC Tech
Ledger is a service, not a company. It is provided by LAC Tech. Read-only bank access, bank-grade encryption, and a 14-day money-back guarantee.
© 2026 LAC Tech. Ledger is a service provided by LAC Tech. Ledger is not a bank and does not provide financial advice.
Ready to stop guessing about your money?
Start tracking with Ledger today — or stop by the shop and we'll walk you through it.