Debt payoff + budgeting for people juggling several debts
Works with MuseLedgewise is a debt payoff and envelope budgeting app that shows the date your last balance hits zero. Enter what you owe and what you can pay each month to get a debt-free date, then move that date closer one envelope at a time. Not a lender; Ledgewise never moves your money.
The date calculator needs JavaScript. You can start free and add your debts there instead.
Free forever · No credit card required · Cancel anytime
How it works
Debt payoff engine: add your debts, pick snowball or avalanche, and see your exact debt-free date. Every spare dollar gets a payoff target, so you always know which creditor to pay next.
Envelope budgeting: assign every dollar of income to an envelope — Groceries, Rent, Fun. When an envelope runs out, you feel it immediately.
Automatic bank sync: connect your bank via Plaid. Transactions appear automatically, pre-categorized. Review and confirm in seconds.
60-day balance forecast: see your account balance projected 60 days forward, accounting for recurring bills and your current spending pace.
Statement import: upload a PDF or CSV statement. Claude reads it and extracts transactions — you review and confirm.
Partner mode: share selected envelopes with your partner. Budget together without giving up financial privacy on everything.
Negotiation kit: call scripts and letter templates for lower rates and settlements. You send them; Ledgewise never contacts anyone.
Envelope budgeting
Give every dollar a job and the money for paying down debt stops disappearing. Each envelope shows what you budgeted, what you've spent and what's left, so you get breathing room and know where you stand. No spreadsheets. No guessing.
Ledgewise connects to Meta Muse — so you can ask questions about your payoff plan and spending in plain English, and get answers from your live data.
An illustrative example. Your answers come from your own data. Payoff and what-if answers are part of Premium; budget answers are free.
Start freeQuestions
No. We do not sell loans and we are not a bank. We never move your money, and bank access is read-only.
Free gives you up to 5 envelopes, manual transaction entry and a debt tracker for balances, rates and minimums. Premium ($13.99/mo or $99.99/yr, with a 7-day free trial) adds unlimited envelopes, the snowball and avalanche payoff plan with your debt-free date, bank sync, statement import, the 60-day forecast and the negotiation kit.
Snowball pays the smallest balance first, so you clear your first debts sooner. Avalanche pays the highest interest rate first, so you pay less interest overall. Premium shows your date both ways so you can compare.
No. They stay in your browser and we do not receive them.
Both use zero-based envelope budgeting. Ledgewise starts from a debt-free date and a payoff plan, and its free plan has no time limit. The details, including prices, are on the Ledgewise vs YNAB page.
It is not for you if you want a loan, debt consolidation, credit repair or someone to call your creditors for you. The negotiation kit gives you call scripts and letters; you send them, and Ledgewise never contacts anyone. Bank sync works with US banks only.
Pricing
Free: track your debts
$0/mo
Forever free
Premium: pay them off
$13.99/mo
or $99.99/yr — save 40%
Same price on the web, iPhone, iPad and Android. New subscribers get a 7-day free trial of Premium.
Why I built Ledgewise
I built Ledgewise so nobody has to guess when they'll be debt-free. With several debts, the hard part is knowing which one to pay next and when the last one hits zero.
Ledgewise keeps that plan and your monthly budget in one place. If something is missing or broken, email me and I will read it.
Connect on LinkedIn About the founder founder@tenderlab.studio