Ledger
Replaces two spreadsheets

Expenses in.
Net worth out.

A spreadsheet drifts because every month you re-type five totals that could have been computed. Ledger stores the detail and derives the rest — so the summary and the detail cannot disagree.

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Net worth₱1,108,311.45

cash + investments + receivables − credits

The total was the problem

In a workbook, the monthly summary is a figure someone maintains by hand. It is correct until the month you add an account and forget to widen a formula — and nothing tells you, because a spreadsheet cannot know what its own total was supposed to be.

Here it is a view over the rows. There is no stored total anywhere in the database, so there is nothing to fall out of step.

How it works

Three things, in the order you will actually do them.

1.Bring the workbook in
Import reads your expense sheets and your cash, investments, receivables and credits tabs — then checks itself against the totals your own history sheet already carried, month by month, before writing anything.
2.Log the way you talk
“grab 336, moveit 121” becomes two rows with the right categories. Merchants you have used before resolve instantly with no AI call at all; only genuinely new ones ask the model, and nothing saves until you have checked it.
3.Fill in what changed
Opening a new month copies last month’s balances forward, so you only type the numbers that actually moved. Net worth, the month-on-month change and every category total follow from there.

What it does

One shape for everything you own and owe
Cash, investments, money lent out and money owed all live in one table. Receivables carry who borrowed AND what for, so “Erma owes me ₱166,700” is still answerable six months later.
Your data, and only yours
Every row is scoped to your account by row-level security in the database itself, not by application code that could forget. A 53-assertion probe proves it after every schema change.
Export back out, losslessly
The workbook is a format, not a cage. Export writes the same sheet names and the same two-row headers it reads, so a round trip loses nothing — including your notes.

Start with the month you are in

Your nine expense categories are created for you at sign-up, so you can log something in the first minute — and import the back catalogue whenever you feel like it.

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