Every cent,accounted for.
LumaLedger links your banks and builds a true double-entry ledger underneath — net worth, cash flow, and subscriptions that reconcile to the cent. Not estimates. Accounting.
Double-entry core · Real-time bank sync · Encrypted at rest
Most apps estimate.
LumaLedger balances.
Underneath the dashboard is the same machinery that runs real accounting: every transaction becomes a balanced journal entry in a double-entry ledger. If the numbers on screen don't sum, they don't ship.
Everything your money does, in one place.
Plaid-linked accounts stream in as they happen — webhooks, not overnight batches. Pending, posted, refunded: all reconciled.
Recurring charges detected straight from your history — cadence, next charge date, and what it all costs per month.
Fix a merchant once and it stays fixed. Merchant memory, split transactions, and one-tap recategorizing keep the books clean.
Households and teams on one set of books, with owner-to-viewer roles. Your personal ledger stays yours alone.
One keystroke blurs every number on screen. For coffee shops, screen shares, and looking over shoulders.
⌘K jumps to any account, page, or action. Dense, keyboard-first, and built to feel instant.
Designed for the whole household
Shared books for the family and joint ledgers for you and your partner, with owner-to-viewer roles deciding who sees and who spends. Your personal ledger stays yours alone.
Catch every subscription before it renews
Recurring charges detected straight from your history — cadence, next charge date, and what it all costs per month. No forgotten trials.
Trusted by people who count.
Shared ledger“My husband and I finally argue from the same numbers. One set of books, to the cent — the money conversations got a lot shorter.”
Subscriptions“It surfaced $63 a month in subscriptions I'd forgotten existed. I cancelled five of them the same afternoon.”
The ledger“I kept a hand-built spreadsheet for nine years. This is the first app whose numbers I trust more than my own.”
Built like it holds your money. Because it does.
Bank sign-in happens with Plaid — the same connection layer the biggest fintechs use. We receive scoped tokens, never your passwords, and those tokens are encrypted at rest.
Signed webhooks, verified email flows, role-based access on every shared ledger, and a database that refuses unbalanced writes.
Unlinking a bank revokes our access at the institution, not just in the app. Delete a ledger and everything in it goes too.
Watch it compound.Every account, every cent, one rising line.
Every swipe, on the books.
Link the cards you already carry — every charge lands in your ledger the moment it happens, categorized, matched, and reconciled to the cent.
Get better with money. One sourced number at a time.
Start counting.
Free during the private beta. Your ledger takes about two minutes to open — and a lifetime to outgrow.