Features

The first accounting platform that
runs your books at night so you can
run your business by day.

Snap a receipt. Forward an invoice. Connect your bank. We do the rest. By morning your books are categorised, reconciled, and ready — with a three-sentence briefing in your inbox saying what changed and what needs you.

Start free →See how it works

If this sounds familiar.

I have no idea what my actual cash position is.

Pulled from your real bank feed, every night. One number, always in the sidebar. No spreadsheet, no maths.

Bookkeeping eats two evenings a week.

The AI categorises every transaction overnight. You triage what's left — one tap each, about five minutes a week.

I keep forgetting to file VAT, RTI, Companies House.

We watch every deadline. 14 days out, 7 days out, day-of — with a one-click pack ready to send.

What you actually get

Eight things the agent does, every day, so you don't have to.

Organised by the question each one answers — not by which menu it lives under. Click in and you'll find the menus too. But the point of Ledgers is that you mostly don't need them.

📨01

Know where you stand, every morning

  • Daily Briefing. 6 AM, your inbox: “Since yesterday — Acme paid you £4,200, two new bills arrived totalling £980. Cash is £142k, runway 8.4 months.” Plain English, no DR/CR.
  • The Single True Number. Runway pill in the sidebar on every screen. Always visible, computed nightly.
  • Signals Feed. Anomalies, opportunities, deadlines. Sorted by urgency, never by table.
🤖02

Books that close themselves

  • Categorisation AI. Looks at every transaction, picks the right account and VAT treatment. Confident enough → posted automatically. Anything in the grey area → your triage queue.
  • Triage in five minutes. One transaction at a time, swipe on mobile or use keyboard on desktop. Typical founder spends about five minutes a week.
  • Books current every morning. While you sleep, Ledgers catches up — posts anything it's confident about, runs sanity checks, and writes tomorrow's briefing.
  • Rules that learn. Make the same call three times → it becomes a permanent rule. Ledgers stops asking.
📷03

Capture receipts, every channel

  • Mobile camera. Open Ledgers on your phone, tap, snap. We read the receipt for you — supplier, date, amount, VAT. We wait 24 hours for the matching bank transaction; auto-link when it lands.
  • Google Drive folder. One Ledgers/ folder with subfolders for Receipts, Invoices, Bills, Statements. Drop a PDF — overnight sync, agent reads it.
  • Gmail label. Apply Ledger to any email. Attachments flow in.
  • Drag-and-drop desktop upload too. Same pipeline, same result.
💳04

Revenue that didn't come from an invoice

  • Revenue imports. Upload your monthly export from Bsport, Stripe, Shopify, Square. Auto-detects format, fuzzy-matches your product catalogue, books revenue into the right accounts.
  • Platform clearing. £4,200 of card sales? Books to Stripe clearing now. When the Stripe payout lands in your bank tomorrow, we match it and zero the clearing.
  • Products & Services catalogue. Define what you sell once. Invoices auto-fill. CSV imports auto-match.
  • Credit card statements. Amex, Barclaycard, generic CSV. Receipts paid on the card auto-link when the statement arrives.
🛡05

Don't get fined, ever

  • Compliance Calendar. VAT, CIS300, RTI, Companies House annual filings + confirmation statement, SH01 (1-month deadline), SEIS/EIS milestones, year-end. Penalty values shown.
  • VAT returns. Generate from posted JEs, run anomaly checks, founder sign-off, audit trail. Direct HMRC MTD submission shipping shortly.
  • CIS300. Subcontractor verification, monthly return prep, founder sign-off.
  • RTI prep + payslips. Payroll engine for small teams. PAYE/NIC computed.
  • Companies House sync. Daily pull of filings, officers, PSCs. Diff detection. Penalty-watch on overdue.
📈06

Make decisions with real numbers

  • Decision Room. Scenarios on your actual ledger. “What if I hire two more people?” See the runway impact instantly.
  • Simulate. Stack assumptions — hires, fundraises, new products, cost changes — and see cash, net, and runway side-by-side against your real baseline. Read-only; never touches the books.
  • Inbox + Ask. Every alert and decision lands in one severity-sorted inbox; type any question to thread a conversation against your live numbers — with citations.
  • Document trail. Click any receipt, invoice, or contract and see every journal entry it has spawned — and every one it will. HMRC inspections become minutes, not hours.
  • Investor view. A shareable link for VCs. Runway, burn, top customers, narrative.
  • Funding rounds wizard. Capture the round — Ledgers handles the bookkeeping, auto-mints your Companies House SH01 filing, schedules SEIS/EIS compliance milestones, and generates the data block you paste into HMRC's portal.
07

Prove your books are correct

  • Live close. No month-end ritual. Agents categorise overnight, reconcile continuously, and prepare the close as you go. By the 1st of the next month there's nothing to do — your books were already current.
  • Autonomy you control. A dial — Conservative, Balanced, Confident — sets how much runs without you. A live cockpit shows exactly what % of your books ran autonomously and how accurate it was. When the AI gets something wrong, it learns; when it's proven itself, it offers to take over more. Waymo, not Autopilot.
  • Confidence Score. A single 0–100 KPI. Composed from categorisation completeness, reconciliation gap, queue age, audit alerts. Click any component for a plain-English “why”.
  • Trust Receipt. A monthly signed artefact you forward to investors, your bank, your next accountant. Cryptographically signed and tamper-evident — recipients can verify it themselves, independently. Not just a screenshot.
  • Accountant co-sign. Invite your accountant to a scoped portal. They sign off whenever, query individual transactions, log the audit trail.
💬08

Just ask

  • Ask Ledgers anything. Type or speak: “How much did I spend on contractors this quarter?” Real answers from your real books.
  • Tell it once, it remembers. Notes like “AWS is always split 50/50 dev and Acme client” stick forever — applied to every future AWS bill, no re-explaining.
  • Two modes, one app. Founder mode = cockpit. Accountant mode = workbench. One-click switch. More just below.
One app, two modes

Still have an accountant? They get their own mode.

Ledgers is two apps in one.

Founder mode is the cockpit — daily briefing, runway, “what needs me.” Plain English. No DR/CR.

Accountant mode is the workbench — trial balance, journal entries, chart of accounts, recurring JEs, reconciliation, audit log, statutory pack, period close. The language your accountant has used for thirty years.

Same books. Same data. Same source of truth. Different view depending on whose hands are on the keyboard.

One click in the sidebar to switch. The toggle is per-user, so your accountant logs in and lands in Accountant mode automatically. You log in and land in Founder mode. Nobody has to learn the other's vocabulary.

How it adds up

One platform. Replaces three things.

8
UK statutory surfaces
VAT · CIS · RTI · CH · SH01 · SEIS/EIS · year-end · MTD
6
Source channels
Bank feed · mobile camera · Drive · Gmail · CSV · drag-drop
2
Modes, one app
Founder cockpit. Accountant workbench. Same data.
1
Platform
Replaces Xero + Dext + a monthly bookkeeper
Yours
Bring your own accountant
Clean, year-end-ready handover. Invite your accountant to a scoped portal to co-sign and query any transaction.
Free
Migration import
Self-serve from Xero, QuickBooks, FreeAgent. Concierge option for a flat fee if you'd rather we drove.
What we don't make you do

And just as importantly — what we refuse to do.

No double-entry training videos.
No 20-tab navigation maze — we have 2 modes, sorted by your actual job.
No “upgrade for VAT” or “upgrade for a second bank account”.
No CSV exports to your accountant — they get their own portal.
No spreadsheet on the side — we are the spreadsheet.
Coming from somewhere else

We'll move you across — your choice how.

📥

Self-serve import — free

Bring your file from Xero, QuickBooks or FreeAgent. Upload your trial balance, chart of accounts, and last 12 months of transactions. The agent does the heavy lifting — opening balances, account mapping, VAT scheme detection. Most founders are running inside an hour.

Free, on every plan. Takes about an hour, mostly hands-off.

🤝

Concierge migration — flat fee

Book a 30-minute call. We'll do the import for you, reconcile to your prior year-end, set up your chart of accounts the way your accountant wants it, and confirm the first month closes cleanly before you touch anything.

Fixed fee. No surprises. Start free and we'll quote you →

Who this is for

You're 1–15 people. You raised seed, or you're about to.

You're VAT-registered or close to it. You've used Xero or QuickBooks and felt like a junior accountant trapped in your own software.

You don't want to learn double-entry. You want to know your runway, file on time, and look professional when investors ask.

That's the whole job. We do it.

And if you still work with an accountant, they'll thank you. They get their own mode — the workbench they already know — and they sign off your books from a portal instead of chasing your inbox.

Start free. We'll import your last 30 days
while you finish the company form.

Connect a bank, snap your first receipt, see your runway by lunch. No card required. £29/month when you outgrow Free — we'll tell you.

Start free →