UK personal finance, reimagined
Stop guessing.
Start clearing.
Every debt, bill and saving in one clear picture. See your exact debt-free date, never miss a bill, and let Ledger handle the bookkeeping.
- Free forever plan
- No card needed
- Read-only, never moves money
Monthly snapshot
October72%
to debt-free
Target: Sept 2027
Bills paid
8 of 9
£840
Debt cleared
this month
£320
Saved
Holiday fund
£150
How it works
Set up in two minutes
Add or connect
Pop in your bills, cards and loans — or connect your bank with Pro.
See the full picture
Watch your debt-free countdown, bill calendar and what's left each month.
Clear it faster
Use avalanche or snowball plans, haggle letters and smart savings to speed up.
Features
Powerful tools to take back control
Everything you need to master your monthly cash flow in one place.
Debt payoff engine
Compare avalanche vs snowball, see interest saved and your exact debt-free date.
Bills that reset themselves
Monthly bills reset automatically, overdue ones flag, and price rises get spotted.
Savings goals
Progress rings, monthly auto-credits and savings challenges.
AI money coach
Personal tips, monthly reviews and a what-if planner.
Household sharing
Share bills, savings and joint debts with your partner.
Exclusive deals bin
Hand-picked UK discount codes and money-saving perks.
AI haggle letters & health dossier
Ready-to-send letters to cut bills, plus a branded PDF of your finances.
Pricing
Plans that pay for themselves
Start free. Upgrade when you want to go faster.
Free
forever
- 100% ad-free forever
- Debt payoff planner
- Bills calendar & reminders
- 3 savings goals & 3 budgets
- Full CSV export
- Achievements & challenges
Pro
/mo for 3 months, then £5.99/mo
- Everything in Free
- Unlimited goals & budgets
- Bank feed (1 connection)
- AI money coach & reviews
- Household sharing (2)
- Forecasts, round-ups & reports
Pro+
/mo for 3 months, then £9.99/mo
- Everything in Pro
- Unlimited bank connections
- Exclusive deals bin
- AI haggle letters
- Financial health PDF
- Household up to 8
Security
Your money stays yours
Built with privacy first, from day one.
100% ad-free. On every plan. Forever.
No banner ads, no ad networks, no tracking pixels, no selling your data. We earn from optional subscriptions — that's it.
Read-only
Bank connections can only view — Ledger can never move or withdraw money.
Encrypted
All data is encrypted in transit and at rest.
Locked to you
Every record is locked to your account; nobody else can see it.
UK GDPR
We never sell your data. Erase it or close your account anytime.
Zero ads
No ad networks or behavioural tracking — your money habits are never profiled.
Honest switching
Optional switch-and-save links are clearly labelled and only shown when they could save you money.
Take Ledger everywhere
Works like an app on your phone — no app store needed.
- Android: open in Chrome → ⋮ menu → Install app
- iPhone: open in Safari → Share → Add to Home Screen
Scan with your phone camera
FAQ