Talk to your money.
Keep books you can audit.
UpgradeOS Ledger is the personal finance app you talk to: log spending in plain English, set budgets by chatting, and see a full audit trail of every change — yours or the AI's.
A live look at the chat. Try it yourself — no sign-up needed.
INSIDE LEDGER
Real life. Meet your ledger.
From the first statement to the last bill of the month.
A statement becomes a clearer picture.
Bring in a CSV or share a statement with Ledger AI. Confirm the account, review categories, and choose what to do with possible duplicates before saving.
YOU
“Here's my chequing statement. Help me sort it out.”
LEDGER AI
Is this your TD Chequing account? Are these personal or business transactions? Please confirm the September 30 closing balance.
Statement review
September 30 · TD Chequing
Loblaws
Groceries
−$42.18
Acme payroll
Income
+$3,800.00
Coffee shop
Possible duplicate · confirmation needed
−$6.50
Illustrative examples with sample amounts—not customer records.
Explore the demoFeatures
One conversation. Real changes.
Every other money app shows you charts. UpgradeOS Ledger actually moves the numbers.
Audit Log
Every change — by you or the AI — is recorded with before/after values. Roll anything back with one click. Your data, your rules.
AI CFO
A conversational chief financial officer that knows your accounts, your goals, and your habits.
Goals
Save for a house, an emergency fund, a trip. Your CFO tracks progress and recommends adjustments.
Budgeting
Set budgets in plain English. Auto-update spend as transactions land — no spreadsheets.
AI Memory
Your assistant remembers what matters: your income, your risk tolerance, your preferences.
Business / Personal
Tag expenses as business or personal. Mark reimbursables. Clean books for freelancers and sole proprietors.
How it works
Built like a ledger, not a toy.
Full audit log — every change, forever
Every move — by you or by the AI — is recorded with before/after values and a timestamp. Disagree with something the AI did? Roll it back with one click. Built to accounting-grade standards by a working accountant and CPA candidate.
- Tamper-evident history
- One-click rollback on any AI action
- Export anytime — your data, your rules
Audit: Goal "House fund" target_amount 15000 → 20000 by you · 2 min ago Audit: Transaction $42 Loblaws added by AI · 5 min ago [Undo]
AI CFO that does the work
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.
- Propose-then-approve safety
- Multi-account transfers
- Reads context every turn
You: I spent $42 at Loblaws yesterday on groceries. CFO: Logged $42 to TD chequing, category Groceries. You're at $387 / $600 this month.
Goals that update themselves
Tell your CFO what you're saving for. Contributions, milestones, and projections happen automatically as your accounts move.
- Auto-progress from transactions
- Smart pacing
- Surface trade-offs before you make them
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.
Budgets in plain English
"Cap groceries at $600 a month." That's the whole flow. Spend re-computes from your real transactions every time something changes.
- Trigger-driven recompute
- Category-aware
- No spreadsheet maintenance
You: Cap dining out at $250. CFO: Done — dining budget $250/mo. You've already spent $190 this month.
Memory that compounds
Your CFO learns your income cadence, fixed costs, risk appetite, and quirks. Every conversation gets sharper.
- You can view + edit every memory
- Deletable anytime
- Never sold or shared
CFO remembers: paid bi-weekly Fridays, rent $1,950 1st of month, prefers conservative projections.
Clean books, not just budgets.
Business and personal, separated.
Every transaction can be tagged as business or personal — and flagged as reimbursable if a client owes you back. No more end-of-year archaeology through a single mixed account.
- Tag any expense as business or personal in one message
- Mark client expenses as reimbursable — track what you're owed
- Separate view of business spend for tax time
- AI understands context: "that coffee was a client meeting"
You: Paid $85 at Staples — business expense, reimbursable from Acme. CFO: Logged $85 Staples as business / reimbursable. Running total owed by Acme: $340.
Your money data stays yours
Encrypted in transit and at rest
Every connection uses HTTPS/TLS, and your data is encrypted at rest in the database and file storage.
No bank passwords, ever
You bring in transactions by uploading statements (CSV or PDF) or telling the AI. We never ask for or store your online-banking login.
Your data is never sold
No ads, no data brokers, no selling or sharing your financial information. You're the customer, not the product.
Export or delete anytime
Download everything as a file, or permanently delete your account and data from Settings in a couple of clicks.
Join the beta
Get product updates and an early invite. No spam — one email when there's real news.