Multi-format financial upload
Bring in almost any file your bank or brokerage will give you — not just PDFs.
How it works: upload PDF, CSV or text, XLSX, OFX, QFX, or QBO files and LedgerLens routes each to the right parser.
Plan:Starter and up
Everything LedgerLens does
Most people meet LedgerLens as a bank statement converter. That is the first thirty seconds of it.
Behind that upload box is a full personal and small-business finance system: reconciliation that proves your statement periods are complete, forecasting in four currencies, subscription detection with a cancellation shortlist, six downloadable report types, a personal balance sheet, purpose-built workspaces for creators and students, and seven read-only tools that answer questions inside ChatGPT.
This page lists all of it. Not a highlights reel — the actual list, with the plan each capability is on.
Get your statements in
Six input formats, one file or a hundred, and an honest queue for anything that needs a human.
17 entries.
20 MB single-file uploads
Full-year statements and image-heavy PDFs go through without splitting them first.
How it works: each supported document can be up to 20 MB.
Plan:Starter and up
Batch document intake
Clear a backlog in one action instead of one upload at a time.
How it works: send up to 100 documents in a single request and get per-batch success totals back.
Plan:Starter and up
Typed financial documents
Your tax paperwork and your statements stay recognizably different things.
How it works: label and manage bank statements, W-2s, 1099 variants, credit-card statements, investment statements, receipts, and tax returns.
Plan:Starter and up
Bank-statement transaction extraction
The core job: a PDF statement becomes dated debit and credit rows you can work with.
How it works: text-bearing bank-statement PDFs are parsed into dated debit and credit rows, with a reconciliation check recorded for each run.
Plan:Starter and up
Structured file parsing
Files that are already structured skip the PDF pipeline entirely and import cleanly.
How it works: OFX-family files, XLSX workbooks, and CSV input are parsed directly without the statement service.
Plan:Starter and up
Tax-document extraction
W-2s and 1099s are read as tax documents, not as generic PDFs.
How it works: W-2, 1099, and tax-return PDFs route through a dedicated tax-document parser.
Plan:Starter and up
Text-PDF receipt extraction
A digital receipt becomes a structured record instead of an attachment you will never open again.
How it works: from text-bearing receipt PDFs, LedgerLens pulls merchant, date, subtotal, tax, and total. This reads text already inside the PDF — it does not read photographed or scanned paper receipts.
Plan:Starter and up
Investment-statement parsing
Brokerage statements get a parser that understands positions, not just amounts.
How it works: investment PDFs run through a position-aware parser with structured fields.
Plan:Starter and up
Credit-card statements that refuse to import badly
A credit-card import either balances or it tells you — it never quietly hands you a wrong number.
How it works: only rows that satisfy the liability reconciliation equation are imported; anything else is suppressed and sent to review.
Plan:Starter and up
Assisted extraction on Plus
When an ordinary parse comes back empty or uncertain, a second method gets a turn.
How it works: on Plus and above, a metered language model runs only on failed or abstained PDF parses, and results are held for your review when reconciliation does not balance.
Plan:Plus and up
Processing status and a Needs Review queue
You always know which documents are done, which failed, and which want a decision from you.
How it works: filter documents by status, type, and date, and open a dedicated Needs Review queue.
Plan:Starter and up
Original document retrieval
The source file stays yours and stays reachable.
How it works: download any uploaded original through a signed URL or a streamed response.
Plan:Starter and up
Reprocess a document
A bad parse is a retry, not a re-upload.
How it works: put a document back on the processing queue after a failed or unsatisfactory run.
Plan:Starter and up
Single statement to Excel
One reviewed statement, one clean `.xlsx` — the thing most people came here for.
How it works: download a reviewed statement's transactions as an Excel file.
Plan:Plus and up
Batch statement to Excel
Export a whole year the same way you export one month.
How it works: generate Excel exports for a list of document IDs, or for everything matching a status, type, and date query.
Plan:Plus and up
Document deletion controls
Removing a document removes what was derived from it, and the destructive version is deliberately hard to trigger.
How it works: delete one document; an Admin can type-to-confirm deletion of all documents and their derived transactions.
Plan:Starter and up (all-delete requires the Admin role)
Clean, search, and teach it your categories
Correct a merchant once. LedgerLens remembers, and shows you why it guessed.
11 entries.
Transaction search and filtering
Find a payment from eight months ago in a few seconds.
How it works: search paginated transactions and pull filtered statistics plus the available date range.
Plan:Starter and up
Manual transaction management
Cash spending is part of your picture even though no statement records it.
How it works: add, edit, inspect, and delete ledger rows by hand, including activity that never appears on a statement.
Plan:Starter and up
Single-row category correction
Fixing one wrong category takes one action.
How it works: assign or change the category on any transaction.
Plan:Starter and up
Rule-based auto-categorization
Most rows arrive already categorized, on every plan including the free one.
How it works: your rules, categories, merchant mappings, and history are applied as parsed rows are saved.
Plan:Starter and up
Category suggestions for uncertain rows
The rows your rules cannot place get a proposed answer instead of a blank.
How it works: on Plus and above, low-confidence rows receive reviewable category guesses, with source and confidence recorded on each.
Plan:Plus and up
"From your history" suggestions
You can always tell what LedgerLens learned from you apart from what it guessed.
How it works: deterministic suggestions drawn from your own history are labeled separately from model guesses, and you accept or dismiss each.
Plan:Starter and up for history-based suggestions; model-based suggestions are Plus and up
Bulk categorization
Recategorize hundreds of rows in one pass and see exactly which ones failed.
How it works: a deduplicated selection is categorized in concurrent chunks with per-row success and failure results.
Plan:Pro and up
Keyboard-first review queue
Clear a review backlog at typing speed instead of mouse speed.
How it works: move, select, accept, and dismiss category suggestions with keyboard shortcuts and bulk actions.
Plan:Pro and up
Custom category hierarchy
Your chart of accounts, not a fixed list someone else picked.
How it works: create, edit, delete, list, and browse nested categories.
Plan:Starter and up
Category-rule automation
Write a rule once, see what it would catch, then apply it to everything you already have.
How it works: create matching rules, preview their hits, and run a rule across existing transactions.
Plan:Starter and up
Suggested cleanup rules
LedgerLens notices when you keep making the same correction and offers to stop asking.
How it works: repeated behavior becomes a proposed category rule you accept or dismiss.
Plan:Starter and up
Budget, get paid, pay bills, hit goals
A budget built from what you actually spent, and alerts you configured yourself.
22 entries.
Category budgets
Set a limit per category and per period, and change it when life changes.
How it works: create, edit, deactivate or delete, and inspect budgets by category and period.
Plan:Starter and up
Live budget progress
You find out you are close to a limit before you cross it, not at month end.
How it works: spending is compared against each limit, and a realtime event fires when usage crosses the level you set.
Plan:Starter and up
Savings goals
Name what you are saving for and watch the number move.
How it works: create, edit, complete or delete, and review savings goals.
Plan:Starter and up
Goal contributions
Progress gets recorded against the goal, not lost in a general balance.
How it works: log a contribution directly against any goal.
Plan:Starter and up
Retirement summary
The long-horizon goals get their own rollup.
How it works: view a retirement-oriented summary across your tracked goals.
Plan:Starter and up
Bill tracker and calendar
Every recurring obligation on one date-range calendar.
How it works: create recurring bills, view a calendar and summary for any range, and manage active and inactive bills.
Plan:Starter and up
Bill payment history
A per-bill record of what you actually paid and when.
How it works: record and review payments against each bill.
Plan:Starter and up
Configurable bill reminders
Reminders arrive on the channel you chose, as far ahead as you want.
How it works: schedule email, push, or in-app reminders anywhere from 1 to 90 days before a due date.
Plan:Starter and up
Verified-email reminder delivery
Reminders go to a confirmed address, and delivery outcome is recorded.
How it works: due-bill reminders are sent only to active users with a verified email, and each send records sent or failed state.
Plan:Starter and up
Alert preference controls
Seven alert types, each one yours to switch off.
How it works: enable or disable seven alert types and set your own numeric thresholds and cooldowns.
Plan:Starter and up
Budget threshold and exceeded alerts
Two levels of warning, not one, because "getting close" and "over" are different problems.
How it works: warning or critical alerts fire when spending crosses your chosen threshold or the budget total.
Plan:Starter and up
Bill due and overdue alerts
The reminder tells you the amount and the date, not just that something is due.
How it works: due-soon and overdue alerts carry amount and date context.
Plan:Starter and up
Goal milestone alerts
Saving gets acknowledged at the points where people usually quit.
How it works: notices fire at 25%, 50%, 75%, and completion.
Plan:Starter and up
Spending-spike alerts
An unusual month in one category surfaces on its own.
How it works: category spending is compared against its trailing monthly average and flagged when it breaks pattern.
Plan:Starter and up
Alert inbox management
Alerts are a queue you can clear, not a stream you have to endure.
How it works: search alert history, see unread counts, mark one or all read, dismiss, and clear.
Plan:Starter and up
Recurring income sources
Irregular pay schedules become one comparable monthly number.
How it works: track income sources and normalize weekly, biweekly, semimonthly, and monthly frequencies into a monthly baseline.
Plan:Starter and up
Paycheck log and pay-period summary
See what a pay period actually delivered against what it was supposed to.
How it works: record paychecks, generate the matching income entries, and review a pay-period rollup.
Plan:Starter and up
Guided Budget Wizard
A seven-step session that builds a budget from your real transactions instead of asking you to guess.
How it works: create or resume a seven-step planning session and select expenses against a computed baseline.
Plan:Plus and up
Plan recommendations with dollar estimates
Every suggestion carries the monthly number it is worth, so you can rank them.
How it works: cash-flow and top-category recommendations are generated from your selected transactions, each with an estimated monthly saving.
Plan:Plus and up
Wizard plan review and commit
You approve the plan before it becomes your plan.
How it works: accept, reject, and reorder recommendations, then commit or cancel the session.
Plan:Plus and up
What-if scenarios
Ask what a purchase does to the next six months before you make it.
How it works: model one-time purchases, recurring costs, financed purchases, or income events across a horizon you choose.
Plan:Starter and up
Dated budget status
Budget answers come stamped with the date and the freshness of the data behind them.
How it works: calculate a category and period budget status as of a specific date, returned with a freshness indicator.
Plan:Starter and up
Analyze, reconcile, forecast, and report
This is the half of LedgerLens the homepage never mentions.
17 entries.
Financial summary
Income against spending for any window you pick.
How it works: view an income and spending summary for a chosen date range.
Plan:Starter and up
Cash-flow analytics
What came in, what went out, over the period you care about.
How it works: review inflows and outflows for a chosen date range.
Plan:Starter and up
Spending analytics
See where the money actually goes, by category.
How it works: analyze spending by category over a chosen date range.
Plan:Starter and up
Spending anomaly analysis
The months that broke pattern are identified for you.
How it works: unusual spending patterns are surfaced for any selected range.
Plan:Starter and up
Financial intelligence feed
Derived observations about your own data, in one place.
How it works: retrieve generated financial insights for a selected range.
Plan:Starter and up
Income breakdown
A full year of income, broken out by where it came from.
How it works: break down income for a selected year.
Plan:Starter and up
Safe-to-spend
The number you actually want: what is left after the obligations you have already tracked.
How it works: calculates what remains once tracked obligations are accounted for.
Plan:Starter and up
Personal and business split
Freelance and personal spending stay separable all the way to year end.
How it works: review annual personal versus business activity side by side.
Plan:Starter and up
Children's expense summary
The cost of raising kids, totalled for the year.
How it works: summarize child-related expenses for a selected year.
Plan:Starter and up
Subscription summary
The annual total for recurring charges, which is usually larger than people expect.
How it works: review annual recurring-subscription spending.
Plan:Starter and up
Subscription detection
Recurring merchants are found for you, and the false positives stay dismissed.
How it works: LedgerLens detects recurring merchants; you confirm real subscriptions, dismiss wrong guesses, and restore a dismissed one later if you change your mind.
Plan:Starter and up
Statement-period reconciliation
Prove you are not missing a month before you file, close, or make a decision.
How it works: uploaded document periods are compared against expected statement periods, and you can save the reconciliation run as a record.
Plan:Starter and up
Multi-currency cash-flow forecast
Project forward from where you actually are, in the currency you actually hold.
How it works: forecast to a horizon you choose from current balance and expected statement periods, in USD, EUR, GBP, or CAD.
Plan:Starter and up
Saved forecast history
Last quarter's forecast is still there to check yourself against.
How it works: save forecasts and reopen recent forecast runs.
Plan:Starter and up
Subscription kill list
A ranked shortlist of what to cancel, built from your statements.
How it works: recurring expenses from selected statement periods are ranked for cancellation review.
Plan:Starter and up
Six report templates
Six different questions, six purpose-built reports — including one shaped for tax time.
How it works: generate Full Analysis, Cash Flow, Tax Summary, Spending Breakdown, Budget Performance, or Annual Summary.
Plan:Starter and up
Downloadable PDF reports
A finished PDF you can send to an accountant, a lender, or a spouse.
How it works: the PDF builds in the background, appears as a download when ready, and expires after 30 days.
Plan:Starter and up
Your personal balance sheet
Cash flow is one half of the picture. This is the other half.
6 entries.
Asset ledger
Everything you own in one list, with a running total.
How it works: add assets, update their values, and see total assets.
Plan:Starter and up
Liability ledger
Everything you owe in one list, with a running total.
How it works: add liabilities, update balances, and see total liabilities.
Plan:Starter and up
Net-worth summary and breakdown
One number that answers "where do I actually stand."
How it works: compares what you own against what you owe, with a breakdown behind the total.
Plan:Starter and up
Net-worth history and snapshots
The direction matters more than the number, and you can only see direction if you saved the past.
How it works: save point-in-time snapshots and chart net worth by period.
Plan:Starter and up
Equity-grant tracker
Compensation you have not been paid yet still belongs on your balance sheet.
How it works: track active and inactive equity grants and review an aggregate equity summary.
Plan:Starter and up
Credit-score history
Watch your score move over time instead of only seeing today's.
How it works: add credit-score entries and review a current summary plus full history.
Plan:Starter and up
If you run a creator business
Brand deals, receivables, deliverables, and a tax reserve — inside the same ledger as everything else.
8 entries.
Creator profile and dashboard
Your business gets its own home, separate from household spending.
How it works: create a creator profile and open a dedicated business dashboard.
Plan:Starter and up
Tax estimate and reserve
The money you owe later stops feeling like money you have now.
How it works: view estimated taxes, monitor a tax reserve, and change the reserve settings.
Plan:Starter and up
Creator income metrics
Two years of income history to argue rates from.
How it works: review up to 24 months of creator-income metrics.
Plan:Starter and up
Brand-deal receivables
Know what is owed to you before it becomes late.
How it works: see money outstanding across all creator brand deals.
Plan:Starter and up
Brand-deal pipeline and economics
Which deals were actually worth doing, per deal.
How it works: create and manage deals, then inspect per-deal economics.
Plan:Starter and up
Content performance tracker
Connect what you published to what it did over time.
How it works: track content pieces and record performance snapshots.
Plan:Starter and up
Creator deliverables
Every contracted obligation and whether it is done.
How it works: track contracted deliverables and their completion state.
Plan:Starter and up
Creator revenue and expenses
A business ledger that stays separate from your personal one.
How it works: maintain creator-specific revenue and expense records.
Plan:Starter and up
If you are paying for school
Compare schools on the number that matters: the gap you have to borrow.
9 entries.
Multi-school profiles
Compare offers side by side instead of one at a time.
How it works: create, switch between, edit, and remove multiple school profiles.
Plan:Starter and up
Student dashboard and aid disbursement
Know when aid money actually arrives, per school.
How it works: open a school-specific dashboard with a financial-aid disbursement summary.
Plan:Starter and up
Scholarship tracker
Renewal deadlines are the ones people miss. These are tracked separately.
How it works: track scholarship amount, status, application deadline, and renewal deadline.
Plan:Starter and up
Student-loan tracker
Every loan, rate, and balance in one place before repayment starts.
How it works: track loans, balances, rates, repayment state, and payment dates.
Plan:Starter and up
Loan repayment illustrations
See what a different monthly payment would mean over ten and twenty years.
How it works: your entered monthly payment is compared against fixed-rate 10-year and 20-year illustrations. These are illustrations for comparison, not an offer or a quote from a lender.
Plan:Starter and up
Semester budgets and expenses
Budget by term, because that is how school actually bills you.
How it works: create semester plans and maintain their itemized expenses.
Plan:Starter and up
Student action center
FAFSA steps and deadlines in one list instead of six email threads.
How it works: track FAFSA steps, school, state, and federal deadlines, scholarship renewals, and loan payment dates that you enter.
Plan:Starter and up
School funding comparison
The comparison every family wants and no acceptance letter gives you.
How it works: compare annual cost, grants and scholarships, the funding gap before loans, and work-study across your schools.
Plan:Starter and up
Student credit-score panel
Start a credit history record while you are still in school.
How it works: review and add credit-score history inside the student workspace.
Plan:Starter and up
Ask ChatGPT about your own money
Seven read-only tools, on every plan including free. Your raw statements never leave.
8 entries.
Recent transactions
Ask what you spent this week without opening LedgerLens.
How it works: request recent transactions with a date and limit constraint.
Plan:Starter and up
Transaction search
Ask the question the way you would ask a person.
How it works: search by merchant, description, date, amount, type, category, or source document.
Plan:Starter and up
Spending by category
Category totals for any range, conversationally.
How it works: request category spending over a date range you specify.
Plan:Starter and up
Document status
Check whether a statement finished processing without switching apps.
How it works: returns document metadata and processing status. Raw document bytes are excluded from this tool.
Plan:Starter and up
Available date range
Find out how far back your imported data actually goes.
How it works: returns the earliest and latest imported transaction dates.
Plan:Starter and up
Budget status
Ask how a budget is tracking, mid-month, out loud.
How it works: returns how active budgets are tracking by category or period.
Plan:Starter and up
Financial picture and what-if
Model a purchase in conversation before you commit to it.
How it works: returns a dated financial snapshot and can model one what-if purchase or income event.
Plan:Starter and up
Integration access controls
You can see exactly what is connected, and cut it off in one action.
How it works: review connected ChatGPT and OAuth clients with their scopes, connect time, and last use — and revoke any of them.
Plan:Starter and up
Free public tools
Complete tools that need no account. Not plan features — just useful.
6 entries.
Bank-feed cross-check
Find the six ways a bank feed and a statement disagree, before your books close on the difference.
How it works: compare a statement file against a QBO or bank-feed export and get missing, duplicate, misrouted, unexpected, fuzzy-match, and unattributed-payment exceptions.
Plan:Public tool — not part of any subscription plan
Cross-check evidence package
Walk away with something you can hand to a client, not just a screen you looked at.
How it works: download the exception reports, an HTML and PDF report, control totals, and an integrity receipt.
Plan:Public tool — not part of any subscription plan
PDF to action checklist
A permit or renewal packet becomes a list of what is due, what is missing, and what it costs.
How it works: upload a permit, invoice, renewal, or statement packet and get required fields, missing attachments, dates, fees, signatures, reminders, and open questions.
Plan:Public tool — not part of any subscription plan
Calendar and checklist artifacts
The deadlines land in your calendar instead of your memory.
How it works: download an `.ics` calendar file plus PDF and HTML action checklists.
Plan:Public tool — not part of any subscription plan
Income-gap snapshot
Find out in ninety seconds whether this month works, before signing in to anything.
How it works: enter income, critical and non-critical bills, and debts to see surplus or deficit, ratios, payoff warnings, and suggested next steps.
Plan:Public tool — free, no login
Receivables runway
See how many weeks of cash your unpaid invoices are actually holding.
How it works: age your invoices, total what is overdue, model a 13-week cash runway, and see cash tied up by payment terms.
Plan:Public tool — free, no login
Access, workspaces, and getting around
Install it, search it, and share it with the people who need it.
6 entries.
Installable web app
LedgerLens lives on your home screen and dock like an app, without an app store.
How it works: install it as a standalone web app with shortcuts to Transactions, Documents, and Reports.
Plan:Starter and up
Cross-device install guidance
The install path for your device, spelled out, in Settings.
How it works: one-click install where the browser supports it, plus iOS Add to Home Screen and desktop browser-menu instructions.
Plan:Starter and up
Command palette
Everything is one keystroke away once you stop hunting through menus.
How it works: one dialog searches navigation, jumps to core pages, and launches upload, budget, goal, and report actions.
Plan:Starter and up
Contextual help center
Help that already knows which page you are stuck on.
How it works: search help articles, browse by category, and see articles relevant to your current page.
Plan:Starter and up
Multi-entity workspaces
Your household and your side business get separate books under one login.
How it works: create linked entities and switch between personal and entity-scoped workspaces.
Plan:Starter and up
Delegate and team access
Give a bookkeeper or partner access, and take it back in one action.
How it works: invite a delegate with a shareable link and revoke the invitation later.
Plan:Starter and up (User or Admin role)
Five of these are entire companies
We are not claiming to beat any of these tools at their own game. The point is narrower and more useful: if you were going to buy a bank statement converter and a subscription canceller and a reporting tool, you would be assembling by hand what LedgerLens already does in one place — against one reviewed set of transactions instead of five disconnected ones.
The one feature
The standalone product category it matches
What LedgerLens adds around it
The one feature
Statement → Excel, single and batch
The standalone product category it matches
Bank-statement converters. BankStatementConverter.com's live homepage promise is "Easily convert PDF bank statements from 1000s of banks world wide into clean Excel (XLS) format."
What LedgerLens adds around it
The converted rows land in a ledger you can review, correct, categorize, budget against, and re-export by query — not in a file you re-import somewhere else.
The one feature
Statement ↔ bank-feed cross-check with an evidence receipt
The standalone product category it matches
Bookkeeping reconciliation and bank-feed exception tools
What LedgerLens adds around it
Six named exception classes and a client-ready evidence package — report, control totals, integrity receipt.
The one feature
Subscription detection + kill list
The standalone product category it matches
Subscription-management and cancellation-discovery apps
What LedgerLens adds around it
Detection runs against statements you already uploaded, your dismissals stick, and the annual total sits next to the cancellation shortlist.
The one feature
Six PDF report types
The standalone product category it matches
Personal and small-business finance reporting tools
What LedgerLens adds around it
Tax Summary, Cash Flow, Spending Breakdown, Budget Performance, Annual Summary, and Full Analysis — generated from reviewed data, downloadable, and available on the free plan.
The one feature
Seven read-only ChatGPT tools
The standalone product category it matches
Personal-finance copilots and chat-based finance assistants
What LedgerLens adds around it
Your own statement data answers the question, scoped to your account, with raw documents excluded — on every plan including free.
The one feature
PDF → action checklist with `.ics` reminders
The standalone product category it matches
Document action-extractors and deadline tools
What LedgerLens adds around it
Free and public: a packet becomes fields, missing attachments, fees, signatures, questions, and calendar reminders.
| Plan | Monthly | Annual |
|---|---|---|
| Starter | $0 | $0 |
| Plus | $12 | $120 |
| Pro | $19 | $190 |
| Business | $49 | $490 |
FAQ
Is LedgerLens just a bank statement converter?
Converting a PDF statement to Excel is one of 110 features on this page. It is also the one most people arrive for, so it is worth being direct: yes, LedgerLens does that, on Plus and above, one statement at a time or in batch. Then it keeps going — the converted rows become a ledger you can categorize, budget against, reconcile, forecast from, and report on.
What can I do on the free plan?
More than most people expect. Statement upload and extraction across six file formats, rule-based categorization, transaction search, category budgets, bills and reminders, savings goals, all seven alert types, cash-flow and spending analytics, subscription detection, reconciliation, forecasting, all six PDF report types, net worth, the creator and student workspaces, and all seven ChatGPT tools are on Starter at $0. Excel export and the Budget Wizard start at Plus.
Which file formats can I upload?
PDF, CSV or text, XLSX, OFX, QFX, and QBO. Files up to 20 MB each, up to 100 documents per batch.
Does every statement extract perfectly?
No, and we would rather say so here than surprise you later. Some PDFs come back empty or low-confidence, and credit-card statements only import when the balances reconcile — when they do not, the rows are suppressed and sent to review rather than imported wrong. Anything uncertain lands in the Needs Review queue instead of silently entering your ledger. A wrong number you trust is worse than a missing one you can see.
Can it read a photo of a receipt?
Not today. LedgerLens extracts merchant, date, subtotal, tax, and total from receipt PDFs that already contain text. Photographed or scanned paper receipts are not supported yet.
How does the ChatGPT connection work, and what does it see?
You connect LedgerLens as a read-only tool set. ChatGPT can ask for recent transactions, search, category spending, document status, your available date range, budget status, and a dated financial picture with an optional what-if. The document tool returns metadata only — raw document bytes are excluded. You can see every connected client and revoke access from Settings.
Do I get categorization on the free plan?
Yes — rule-based. Your rules, your categories, your merchant mappings, and your own history are applied automatically as rows are saved, on Starter. Model-generated suggestions for the rows those rules cannot place start at Plus, and they are always labeled as suggestions for you to accept or dismiss.
What is reconciliation for, if I am not a bookkeeper?
It answers "am I missing a month?" LedgerLens compares the statement periods you have uploaded against the periods it expects and shows the gaps. Before you file taxes, apply for a loan, or trust a year-end number, that is the check worth running. You can save the run as a record.
Are the free tools really free?
The income-gap snapshot and the receivables-runway calculator are public pages that need no account and store nothing in an account. The bank-feed cross-check and PDF-to-action tools are also public routes. None of them is part of a subscription plan, and no plan is required to use them.
Can I use LedgerLens on my phone?
Yes — install it from your browser as a standalone app with its own icon and shortcuts to Transactions, Documents, and Reports. Settings has the exact install steps for your device, including iOS Add to Home Screen.
Still deciding? Read the guides.