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.
Feature illustration
How it works
Get started in three simple steps.
1
Import transactions from your bank — AI analyzes each one automatically
2
Review suggestions with confidence scores: High (90%+) auto-applied, Medium (70-90%) for review
3
Correct any mistakes — AI learns from your feedback and gets smarter over time
Key capabilities
4-tier AI: Rules → Keyword Matching → XGBoost ML → Local LLM
Cloud AI providers (Gemini, Claude) available as opt-in Tier 4
Confidence scoring on every suggestion with auto-apply thresholds
Local LLM support via Ollama or LM Studio — runs fully offline
Payee normalization for cryptic bank descriptions (TST*, SQ*, etc.)
Web search enrichment to identify unknown merchants
Learns from your corrections — accuracy improves over time
Privacy-first: Tiers 1-3 keep all data on your device
Try AI Categorization today
Download OpenLedger for free and start using AI Categorization right away.