Zero-based budgeting

Every dollar has a job.
You decide what it is.

Ledgewise gives you the clarity of zero-based budgeting with the intelligence of AI — automatic bank sync, a 60-day balance forecast, and a Muse connector so you can ask questions about your money in plain English.

Start for free See how it works

Free forever · No credit card required · Cancel anytime

Built for people who actually want to know where their money goes.

How it works

Budget with intention, not anxiety.

🏦

Automatic bank sync

Connect your bank via Plaid. Transactions appear automatically, pre-categorized. Review and confirm in seconds.

📬

Envelope budgeting

Assign every dollar of income to an envelope — Groceries, Rent, Fun. When an envelope runs out, you feel it immediately.

🔮

60-day balance forecast

See your account balance projected 60 days forward, accounting for recurring bills and your current spending pace.

🤖

Autopilot recurring

Ledgewise detects your recurring bills and pre-fills your budget allocations each month. One tap to apply.

📄

Statement import

Bank won't connect? 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.

Envelope budgeting

See exactly where you stand.

Every envelope shows what you budgeted, what you've spent, and what's left. No spreadsheets. No guessing.

$340 ready to assign Income minus all allocations
September 2026
Envelope Budgeted Spent Left
🏠 Rent$1,800$1,800$0
🛒 Groceries$600$412$188
⛽ Gas$120$98$22
🍽️ Dining out$200$231-$31
💪 Gym$50$50$0
🎯 Emergency fund$400$0$400

Ask Muse anything about your budget.

Ledgewise connects to Meta Muse — so you can ask questions about your money in plain English and get answers from your live data.

U
How much do I have left in groceries this month?
M
You've spent $412 of your $600 Groceries budget this month, so you have $188 remaining — enough for about 2 more weekly shops at your usual pace.
U
Will I have money left before my next paycheck?
M
Based on your forecast, your checking balance will be approximately $1,240 on October 15 (payday). Your electricity bill ($89) comes out October 11, so plan for that.
Get started free

Pricing

Simple pricing. Serious results.

Free

$0/mo

Forever free

  • Unlimited envelopes
  • Manual transaction entry
  • Budget dashboard
  • Month-over-month insights
  • Partner mode
  • Bank sync (Plaid)
  • Statement import (AI)
  • 60-day forecast
  • Autopilot recurring
  • Muse connector
Start free

Premium

$8.99/mo

or $69.99/yr — save 35%

  • Everything in Free
  • Bank sync (Plaid)
  • Statement import (AI-powered)
  • 60-day balance forecast
  • Autopilot recurring detection
  • Muse connector
  • Priority support
Start 14-day trial