Talk to your money. UpgradeOS Ledger turns conversations into budgets, goals, transactions, and financial insights — automatically.
Every other money app shows you charts. UpgradeOS Ledger actually moves the numbers.
A conversational chief financial officer that knows your accounts, your goals, and your habits.
Save for a house, an emergency fund, a trip. Your CFO tracks progress and recommends adjustments.
Set budgets in plain English. Auto-update spend as transactions land — no spreadsheets.
Your assistant remembers what matters: your income, your risk tolerance, your preferences.
Every change is logged. Edit or undo anything — your data is always under your control.
Say "I just got paid $3,800 from Acme — split half to rent, $200 to my house fund, rest to chequing." Your CFO proposes the moves, you approve, and your ledger updates.
Example
You: I spent $42 at Loblaws yesterday on groceries. CFO: Logged $42 to TD chequing, category Groceries. You're at $387 / $600 this month.
Tell your CFO what you're saving for. Contributions, milestones, and projections happen automatically as your accounts move.
Example
You: How am I doing on my house fund? CFO: $4,200 / $20k. At your $300/mo pace you'll hit it by Aug 2027. Bump to $450 to land Q4 2026.
"Cap groceries at $600 a month." That's the whole flow. Spend re-computes from your real transactions every time something changes.
Example
You: Cap dining out at $250. CFO: Done — dining budget $250/mo. You've already spent $190 this month.
Your CFO learns your income cadence, fixed costs, risk appetite, and quirks. Every conversation gets sharper.
Example
CFO remembers: paid bi-weekly Fridays, rent $1,950 1st of month, prefers conservative projections.
Every change — by you or by the AI — is recorded with before/after values. Roll anything back with one click.
Example
Audit: Goal "House fund" target_amount 15000 → 20000 by you · 2 minutes ago
Finally I just talk to my finances. No more apps that show me the past — this one moves with me.
— Beta tester · Toronto
I asked it to rebalance my budget after a raise and it just did it. Two seconds.
— Beta tester · NYC
The audit log alone made me trust it. Every AI change is undoable.
— Beta tester · Berlin
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