Ledger AI

Ledger AI is an AI financial analyst that works from the statement file itself — no bank login, no Plaid, no account connections. Upload a PDF or CSV statement from any bank, in any country or currency, and in about 60seconds it extracts and categorizes every transaction, detects recurring charges (including the annual renewals a manual review misses), flags anomalies and duplicate charges, and writes plain-English insights about where your money is going. Most users find $150–300/month in forgotten subscriptions and category leaks on their first upload.

Because it reads the document rather than connecting to your bank, it works with statements from anywhere — US, Canada, UK, Europe, Australia and beyond — including credit card statements and older statements from closed accounts. Paid plans add unlimited uploads and an AI Copilot you can ask questions in plain English ("how much did I spend on software last quarter?").

Free plan: 3 statement uploads per month, full analysis included.