How Ledger works

From first link to first cancelled subscription usually takes under ten minutes.

1. 01

   Link your accounts

   Connect checking, savings and credit cards with a SimpleFIN Bridge token, or import a CSV/OFX statement from your bank. Access is read-only — Ledger can never move money.

2. 02

   We sort your history

   Six months of transactions are pulled and tagged by merchant and category, so month one already has trends worth reading.

3. 03

   Find the recurring leaks

   Repeat merchants are grouped into a subscription list with renewal dates and annualised cost.

4. 04

   Set guardrails

   Give each category a monthly limit. The dashboard tracks burn-down so you course-correct mid-month, not after.