Other tools charge per user, then leave you to do the bookkeeping. Ledgers is an AI finance team — priced by the transactions it processes, not the people who log in. See what it actually does for you, then pick a plan.
Not "better bookkeeping software" — the work itself. These are the things no spreadsheet, Xero, or QuickBooks will do, and they're running whether you log in or not.
Your month-end runs every night. No quarter-end scramble — the books are always current.
Model “what if we hire 3 people, lose our biggest client, or raise £500k” against your real numbers — before you commit. Never touches the ledger.
A board-ready CFO report every month — P&L, cash, working capital, variance, and the 3 things to do next — written for you.
Ask your books anything in plain English. Every answer links to the journals that back it.
A live Confidence Score, a receipt for every AI decision, and an Authority Engine that won’t let the AI post outside hard limits — it pauses itself if the books don’t tie out.
Bank vs books, tied out nightly, with any gap explained in plain English.
Accruals, prepayments, deferred revenue, FX, depreciation — proposed and posted on your approval, not left for year-end.
A live, bank-verified view you share by link. Investors can drill from a number → the journal → the receipt.
Other AI tools ask you to trust a black box. Ledgers runs a team of specialist agents — and every one of them is bounded by an Authority Engine that physically cannot post outside its limits, and a circuit-breaker that pauses all autonomy the moment the books stop tying out.
Amount caps, your functional currency, ordinary P&L/balance accounts only. Anything bigger, foreign, or touching a control account waits for you — no matter how confident the AI is.
A nightly integrity check reconciles the whole ledger. If anything fails to tie out, autonomy pauses automatically rather than posting onto a bad ledger. You see exactly why.
Trust and the full engine come on every plan — even Free. Higher tiers add breadth for bigger company shapes, never the basics.
Unlocks: The full autonomous ledger + the whole trust layer.
Start freeUnlocks: Get paid & pay out — invoicing, bills, receipts.
Start trialUnlocks: Year-end, VAT, multi-currency, advanced accounting.
Start trialUnlocks: FP&A, Founder Brain, Investor Room, cap table.
Start trialUnlocks: Consolidation, custom reports, API + webhooks.
Start trialUnlocks: Multi-entity, SSO, SLA, dedicated support.
Talk to sales| Feature | Free | Solo | Starter | Growth | Scale | Custom |
|---|---|---|---|---|---|---|
| Core ledger | ||||||
| Autonomous categorise · reconcile · continuous close | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Included transactions / month | 15 | 50 | 100 | 400 | 1,000 | 2,500+ |
| Bank connections | 1 | Multi | Multi | Multi | Multi | Multi |
| Open Banking + CSV + card-statement imports | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Xero / QuickBooks / FreeAgent migration | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| AI automation | ||||||
| Invoicing + Stripe payment links | — | ✓ | ✓ | ✓ | ✓ | ✓ |
| Receipt OCR (snap → draft bill, fair use) | — | ✓ | ✓ | ✓ | ✓ | ✓ |
| Supplier bills + auto-match · expense claims | — | ✓ | ✓ | ✓ | ✓ | ✓ |
| Accruals · prepayments · depreciation (auto-proposed) | — | — | ✓ | ✓ | ✓ | ✓ |
| Multi-currency + FX revaluation | — | — | ✓ | ✓ | ✓ | ✓ |
| Deferred revenue + settlement reconciliation | — | — | — | ✓ | ✓ | ✓ |
| Insights & decisions | ||||||
| Self-tuning dashboard + daily briefing (email / WhatsApp) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Founder Brain — ask your books anything (⌘K) | — | — | ✓ | ✓ | ✓ | ✓ |
| FP&A Pack — monthly board-ready CFO report | — | — | — | ✓ | ✓ | ✓ |
| Variance / Spotlight + Scenarios (what-if modelling) | — | — | — | ✓ | ✓ | ✓ |
| Trust & control — universal | ||||||
| Confidence Score · AI Receipts · Trust Receipt | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Authority Engine veto + circuit-breaker | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Invite your accountant + co-sign portal | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Tax & UK statutory | ||||||
| VAT returns — generate + signed sign-off | — | — | ✓ | ✓ | ✓ | ✓ |
| Year-end close + accounts pack | — | — | ✓ | ✓ | ✓ | ✓ |
| Corporation Tax computation (draft working paper) | — | — | ✓ | ✓ | ✓ | ✓ |
| Companies House tracker · fixed-asset register | — | — | ✓ | ✓ | ✓ | ✓ |
| CIS — subcontractors + CIS300 | — | — | — | ✓ | ✓ | ✓ |
| Investor & fundraising | ||||||
| Cap table · SEIS/EIS · funding rounds | — | — | — | ✓ | ✓ | ✓ |
| Investor Room — live, bank-verified, share by link | — | — | — | ✓ | ✓ | ✓ |
| Scale & teams | ||||||
| Multi-bank consolidation + custom report packs | — | — | — | — | ✓ | ✓ |
| API + webhooks · extended retention | — | — | — | — | ✓ | ✓ |
| Multi-entity consolidation · SSO · SLA | — | — | — | — | — | ✓ |
| Support & migration | ||||||
| Live chat support | — | ✓ | ✓ | ✓ | ✓ | ✓ |
| Priority live support | — | — | — | ✓ | ✓ | ✓ |
| White-glove QuickBooks migration (done for you) | — | — | — | ✓ | ✓ | ✓ |
| Dedicated support & onboarding | — | — | — | — | ✓ | ✓ |
Most UK SMEs run Xero or QuickBooks plus a bookkeeper. Two bills, and you still do half the work. Ledgers is one bill — and the work happens.
| Your setup | Monthly cost | Who does the bookkeeping? |
|---|---|---|
| Xero Standard + bookkeeper | £32 (Xero) + £200–400 (bookkeeper) = £232–432/mo | Bookkeeper (slowly, by email) |
| QuickBooks Essentials + bookkeeper | £30 + £200–400 = £230–430/mo | Bookkeeper |
| Xero alone (the trap) | £32/mo, looks cheap | You. At 11pm on a Sunday. |
| Ledgers Growth | £79/mo, one bill | AI, you approve the edges |
One inbound or outbound bank movement after duplicates are merged. Transfers between your own accounts don't double-count. Invoices, bills, and journal entries don't count — only bank activity.
Yes — annual billing is ten months' price for twelve months of service. Toggle it at the top of the plans. Monthly stays available with no lock-in.
We don't cut you off. Overage is charged at the rate shown on your tier. If you're consistently in overage we'll email you suggesting the next tier — it's usually cheaper.
We prepare them. VAT returns are generated and you sign them off; the Corporation Tax computation is a draft working paper. You or your accountant make the final submission to HMRC — we hand over clean, return-ready numbers, not a black-box filing.
Yes. 15 transactions a month, indefinitely. The bet is that when you start billing customers, the natural next step is Solo or Starter — you'll already have us set up.
For year-end statutory accounts and corporation tax, yes — and you can invite them on every plan, including Free. We hand them clean books on the first of every month so they spend less time tidying and more time advising.
No credit card to start. Cancel anytime. Your books migrate with you — Xero, QuickBooks, FreeAgent, or a TB CSV.
Start free →