Stop guessing on your taxes.
Financial Ledger auto-categorizes every transaction into IRS-approved expense lines for your entity — Schedule C, Form 1065, 1120-S, or 1120. Connect your bank securely via Plaid, or upload PDF statements. No CPA required to get started.
Free to sign up, no card required · 7-day trial on paid plans · Cancel anytime
Everything you need. Nothing you don't.
Financial Ledger is built specifically for self-employed professionals and small businesses — not bloated enterprise accounting software.
Secure Plaid Bank Connection
Connect your bank accounts via Plaid — we never see your credentials. Transactions sync automatically using tokenized access. Supports 12,000+ institutions.
PDF Statement Upload
Prefer not to connect your bank? Upload monthly PDF bank statements. We extract and categorize transactions, then delete the raw file after 30 days for your privacy.
AI Auto-Categorization
Every transaction is mapped to an IRS form line with a confidence score. Nothing counts toward your reports until you approve it — fix any category in one click.
Multi-Entity Tax Forms
Supports every business structure: Sole Prop (Schedule C), LLC / Partnership (Form 1065), S-Corp (Form 1120-S), and C-Corp (Form 1120).
GLBA & CCPA Compliant
Your financial data is never sold. We comply with the Gramm-Leach-Bliley Act and California Consumer Privacy Act. Delete your data any time from Settings.
CPA-Ready Exports
One-click Schedule C PDF, audit trail, and shareable CPA link. Cut tax prep time by 60% — your accountant gets everything they need, organized and ready.
Up and running in under 5 minutes
No accounting knowledge required. No spreadsheets. Just connect and let the AI work.
Connect or Upload
Securely link your bank via Plaid (tokenized — we never see your password), or upload PDF bank statements as an alternative. Either way, transactions flow in automatically.
AI Categorizes Everything
Our AI maps each transaction to the correct IRS line for your entity type. Personal expenses are flagged. Meals are split at 50%. Review and approve in minutes, not hours.
Export for Tax Season
Download your CPA-ready Schedule C PDF, audit trail, or share a secure link with your accountant. Your estimated tax liability updates live throughout the year.
Simple, transparent pricing
Less than what your CPA charges for a single hour.
Starter
Perfect for self-employed individuals, freelancers, and sole proprietors who file a Schedule C. You work for yourself — your taxes should be just as simple. Connect your bank, let AI categorize your expenses, and hand your CPA one clean report at tax time.
- 1 workspace
- 1 bank account via Plaid
- 1 credit card (tracked separately)
- PDF statement upload
- Up to 200 transactions/mo
- Schedule C auto-categorization
- Tax estimate dashboard
- CPA-ready PDF export
7-day free trial · Then $99/yr · Cancel anytime
Professional
Built for small to mid-size businesses — single and multi-member LLCs, S-Corps, C-Corps, and partnerships. You have real business complexity: multiple accounts, a business credit card, maybe a bookkeeper. This plan handles all of it across every major entity form.
- Up to 3 workspaces
- Up to 3 bank accounts via Plaid
- Up to 3 credit cards (auto-tracked & statement paid)
- Unlimited PDF statement uploads
- Unlimited transactions
- All entity forms: Schedule C, 1065, 1120, 1120-S
- Up to 2 team members (you + 1)
- CPA share link + audit trail
7-day free trial · Then $179/yr · Cancel anytime
Business
Designed for corporations, holding companies, and businesses with multiple entities under one roof. Your CFO, bookkeeper, and CPA all need access. You run subsidiaries, have a non-standard fiscal year, and need more than a spreadsheet to stay compliant. This is built for you.
- Unlimited workspaces (subsidiaries, holding companies)
- Up to 10 bank accounts via Plaid
- Unlimited credit cards (auto-tracked & statement paid)
- Unlimited PDF statement uploads
- All entity forms incl. Form 1120
- Unlimited team members (CFO, bookkeeper, CPA access)
- Custom fiscal year (non-calendar year corps)
- Quarterly estimated tax reminders
- Priority support
- Full audit trail & data export
7-day free trial · Then $299/yr · Cancel anytime
Pricing disclaimer: All prices are in USD. Annual plans billed once per year; monthly plans billed each month. Taxes may apply. Subscriptions auto-renew unless canceled before the renewal date. All plans include a 7-day free trial. Per the Terms of Service, payments are non-refundable after the trial period ends.
Ready to stop dreading tax season?
Built for freelancers and small business owners who want to stay organized all year. Free to sign up — paid plans include a 7-day free trial.
Start your free trialFrequently asked questions
Is Financial Ledger financial or tax advice?
No. Financial Ledger is bookkeeping software that categorizes transactions and estimates taxes based on publicly available IRS rules. It is not a CPA, EA, attorney, or tax advisor. All estimates are informational only. You are responsible for the accuracy of your tax filings. Please consult a licensed tax professional for advice specific to your situation.
Is it safe to connect my bank account?
Yes. We use Plaid, the industry-standard bank connection service trusted by Chase, Wells Fargo, Citi, and thousands of other apps. We never see your bank username or password — Plaid handles the authentication and sends us only tokenized access. We store your access token encrypted at rest. You can disconnect any account at any time from Settings.
What if I don't want to connect my bank?
You can upload your monthly bank statements as PDFs instead. We extract and categorize transactions from the PDF, then automatically delete the raw file after 30 days per our privacy policy. You always control what data we hold.
What business entities do you support?
We support all major U.S. entity types: Sole Proprietor, Single-Member LLC, Multi-Member LLC, Partnership, S-Corporation, and C-Corporation. Each entity maps transactions to the correct IRS form (Schedule C, Form 1065, Form 1120-S, or Form 1120).
Who can see my financial data?
Only you. We do not sell, rent, or share your financial data with third parties for marketing. Our subprocessors (Plaid, Stripe, Supabase, Anthropic for AI categorization, Resend for email) access data only to provide their specific service. See our Privacy Policy and GLBA Notice for the full list.
How accurate is the AI categorization?
Every AI-categorized transaction comes with a confidence score and stays in pending review until you confirm it — nothing enters your tax reports without your approval. AI does make mistakes, which is why review is built into the workflow: you can change any category in one click.
Can I cancel my subscription?
Yes, anytime. Cancel from Settings → Billing and you retain access until the end of your paid period. After that, your account moves to read-only mode. You can export your data at any time. Refunds are not issued after the 7-day trial ends per our Terms.
How do I delete my data?
Go to Settings → Account → Request Data Deletion. We will purge your account, transactions, and uploaded files within 30 days per our CCPA obligations. Stripe and Plaid data is deleted per their respective policies upon disconnection.