Features
Everything you need to manage personal and business finances in one app. AI-powered, privacy-first, and completely free.
AI Categorization
AI that learns how you work
OpenLedger uses a 4-tier AI system to automatically categorize transactions. From simple rules to advanced machine learning, the system saves time and improves accuracy the more you use it. All on-device by default — no cloud required.
Learn moreBanking & Import
Bring your data in seconds
Import bank files to get transactions into OpenLedger in seconds instead of manual typing. Supports QIF, OFX, QFX, CSV, and QBO formats with automatic duplicate detection. Or connect directly via SimpleFIN for automatic daily updates.
Learn moreReports & Tax
Tax time, handled
For self-employed, freelance, or side business owners, OpenLedger generates Schedule C reports automatically from your categorized transactions. Categories map to specific Schedule C lines — Advertising, Car & Truck, Legal & Professional, Office Expense, and more.
Learn moreBudgets
Know where your money goes
Create monthly or annual budgets with category-based allocations, rollover options, and visual progress tracking. Auto-fill from spending history lets AI suggest amounts based on your past patterns.
Learn moreInvoicing
Simple invoicing that works
Bill clients professionally with customizable invoices, email delivery, and automatic payment tracking. Track what's been paid and what's outstanding. No complex accounts receivable — just a simple workflow that works.
Learn moreInvestments
Track your portfolio
Track investment accounts, holdings, and portfolio performance to see your complete financial picture. Support for 401(k), IRA, brokerage accounts, and more. Track by ticker symbol with cost basis and gain/loss calculations.
Learn moreReconciliation
Balance your books
Compare your OpenLedger records against official bank statements to catch errors, find missing transactions, and ensure accuracy. AI-assisted matching helps identify transactions automatically. Reconciled transactions are locked to prevent accidental edits.
Learn morePrivacy & Security
Your data, your device
OpenLedger is built on a simple principle: your financial data is yours. All data is stored locally on your computer in a SQLite database. No cloud account required. AI categorization runs on-device by default. Crash reports help us improve stability; additional analytics are opt-in only. Cloud features are always opt-in.
Learn moreMileage Tracking
Track business miles for tax deductions
Log business trips and calculate tax deductions using the IRS standard mileage rate. Track multiple vehicles, record trip purposes, and generate mileage reports for tax time. If you use a personal vehicle for business, every mile is a potential deduction.
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