Most budgeting apps tell you what you owe. Ledgewise shows you the plan — snowball vs. avalanche comparison, exact debt-free dates, and a single “safe to spend today” number that accounts for every minimum payment on your calendar.
Free plan · Premium $12.99/mo or $89.99/yr · Web app · Muse-connected
Plaid syncs your checking, savings, and credit cards in seconds (Premium). Or import a statement CSV — we parse it with AI (Premium) so even edge-case transactions land in the right envelope.
Ledgewise ranks your debts by APR and minimum payment, compares avalanche vs. snowball strategies, and shows you the exact date you’ll be debt-free under each scenario.
Zero-based envelopes — groceries, rent, subscriptions, debt minimums — so your “safe to spend” number is always honest, not just your bank balance.
“Can I afford a $400 car repair without delaying my Visa payoff?” Connect Ledgewise to Muse and get answers grounded in your actual plan. Muse is read-only: it can see your plan but never move money.
Avalanche or snowball. Side-by-side interest savings and payoff dates. Updates automatically as you pay down balances.
Give every dollar a job before you spend it. Rollover logic, autopilot for recurring bills, and a catch-up view for off-months.
Recurring bill detection builds a rolling 60-day picture of your balance so “will I have money before Friday?” has a real answer.
Connect your Ledgewise data to Muse and ask natural-language questions about your budget, forecast, and payoff plan.
Free plan, no time limit · Premium from $12.99/mo or $89.99/yr
Bank connections are read-only via Plaid. Ledgewise never stores your bank credentials and never transmits money. We don’t sell your data. Delete your account yourself anytime in Settings.
Quick answers to common questions. Can't find what you need? Use the contact form below.
Yes, there is a free plan with no time limit: up to 6 envelopes, manual transaction entry, the budget dashboard, a debt tracker, partner mode and basic Muse access. Premium is $12.99/month or $89.99/year (about 42% off) and adds unlimited envelopes, the debt payoff engine, Plaid bank sync, AI statement import, the 60-day forecast, insights and autopilot. You can cancel anytime.
Basic Muse Q&A (budget, spending, insights and your debt list) is free. Forecast, safe-to-spend, payoff and what-if tools require a Premium subscription. Muse access is read-only.
No. Ledgewise shows you what to pay and when; you make the payments through your own bank. We never initiate a transfer on your behalf and never hold funds.
YNAB is excellent if you have the discipline for daily manual categorisation. Ledgewise automates the maintenance — Plaid sync, AI import, autopilot for recurring bills (these are Premium features) — so the system stays alive without daily effort. We also have a dedicated multi-debt payoff engine, with avalanche vs. snowball comparison and exact payoff dates.
Bank connections run through Plaid, a widely used bank-connection provider. Ledgewise only gets read access to your accounts. We never store your bank username or password. All traffic uses HTTPS, and Plaid access tokens are encrypted before they are stored.
Ledgewise works in any browser, including on iPhone and Android, at app.ledgewise.app. The native iOS and Android apps are built and heading to the App Store and Google Play; this page will link to them when they are live.
We read everything and reply within one business day.