Ledgerline
See the rates

Ledgerline reads your bank export and writes the invoices behind it.

Your statement knows a deposit landed on 4 April for £1,450 with REF ILLO/LOGO-3 in the narrative. Your invoices live somewhere else entirely. Ledgerline joins the two, drafts the invoices that are missing, files the Adobe subscription as an expense, and hands over a folder your accountant can open without an account of their own — built for freelance designers with three clients, two currencies and one tax year that has to add up.

See the rates How it works

Free for 40 statement lines a quarter. You export the file yourself — no bank credentials, no card number, nothing that renews.

Statement, 1 Apr – 30 Jun five lines, and what Ledgerline made of each one (sample data)

  • FPI 04 APR · 1,450.00 · REF ILLO/LOGO-3

    Matched

    Invoice 0221 — Illo, logo refresh £1,450.00

    matched on the reference field, which is the one signal that rarely lies

  • FPI 19 APR · 780.00 · SUNNYSIDE 0214

    Matched

    Invoice 0214 — Sunnyside Studio, spring campaign £780.00

    matched on the amount and this payer’s history

  • STRIPE PAYOUT P-9F2 · 02 MAY · 2,310.00

    Split

    Three shop orders, £770.00 each

    split on the payout report — three receipts are waiting for three names

  • FPI 30 MAY · 240.00 · NARRATIVE: “poster thing”

    Needs a name

    No invoice number in the reference. Cobalt Records owe £240.00 on invoice 0218.

    left unmatched on purpose — one guess is not a match

  • CARD 11 MAY · 38.40 DR · ADOBE

    Expense

    Adobe Creative Cloud, filed as software £38.40

    a debit at a supplier you have filed before, so it never lands in your income

Five lines in: two invoices drafted, worth £2,230.00 · one payout split into £770.00 receipts · one line waiting on you · one expense filed.

The work happens in three passes. You only need to watch the last one.

Read the export

CSV, OFX, QIF, or the PDF your bank insists on. Column headers are mapped once per account; after that Ledgerline remembers that this bank writes debits in brackets, dates as 04-Apr, and puts the invoice number in a field it calls “narrative”.

Match each line

The reference field is where the truth lives — INV 0214, SUNNYSIDE, payout p-9f2 — so that gets read first. When the reference is empty, Ledgerline falls back on the amount against invoices you have left open, the date, and what that payer has done before, and it names the signal it used on every single line.

A £2,310 payout from a payment processor becomes three receipts of £770.00, because the payout report says it was three orders. A £240 transfer with “poster thing” in the narrative stays unmatched until you say who paid it, and then it never asks about that payer again.

Write up what is missing

You get invoice drafts with the client, project and tax category filled in, a summary laid out for Self Assessment, and PDFs named the way your accountant asked for them. Approve one or approve thirty — nothing leaves the drafts folder until you do.

Where it stops

  • It will not file your return. It hands over the numbers and the categories; the filing stays with you or your accountant.
  • It will not invent the receipts you never kept. Unmatched expenses get flagged, never guessed into a category.
  • It will not touch your personal account or your card, and it cannot move money in either direction. It reads files.

Rates, in pounds, including the free one.

One price per studio — not per seat, not per invoice, and not a percentage of anything you are paid. Ledgerline is taking on fifty studios this year: every button below opens an email to us, and an invitation comes back within two working days.

  • Sketch

    £0 a month

    For a first year of freelancing, or two clients and no patience for software.

    • 40 statement lines a quarter
    • One bank account, one currency
    • CSV and OFX import
    • Invoice drafts with the Ledgerline mark in the corner
    • CSV export of everything, any time you ask

    Ask for a seat

  • Start here

    Studio

    £12 a month, or £120 a year

    For one freelancer who invoices properly and has an accountant to keep happy.

    • Unlimited statement lines and clients
    • PDF, QIF and printed-statement import
    • Invoice templates with your logo and your payment terms
    • VAT and Self Assessment summaries
    • Twelve months of searchable history
    • Email support, answered by the two people who built it

    Ask for a seat

  • Practice

    £29 a month, or £290 a year

    For a small studio, or a freelancer who also keeps the books for someone else.

    • Everything in Studio
    • Five logins, each with its own audit trail
    • Accountant handoff pack: a folder they can open without signing up
    • Payment chasing on invoices more than 30 days late
    • JSON and CSV export of the whole ledger

    Ask for a seat

Prices are in pounds and exclude VAT. Yearly plans are invoiced in April, when you have the money, and nothing here is charged per invoice, per client or as a cut of your income. Cancel by replying to any email we have ever sent you.

Questions people ask before they upload a statement.

Do you connect to my bank?

No, and that is the point. Connecting an app to your account hands over a live token that outlives the reason you gave it. Ledgerline only ever reads a file: you export the statement from your bank’s app or website and upload it. Nothing renews, nothing stays open, and revoking access is deleting a file.

Which statements can it read?

CSV, OFX and QIF from any bank that exports them, which is every UK high-street and challenger account we have tested and most European ones. If your bank only offers a PDF, Ledgerline reads the table out of the text layer, which works on roughly nine statements in ten. Scanned printouts go to a person: £15 per statement, because we would rather charge you than guess.

Is this a replacement for my accountant?

No. It replaces the part of the year you spend sorting transactions and chasing invoice numbers. The output is a folder and a summary your accountant can open without an account of their own: invoices as PDFs, categories as CSV, and a note on every line where Ledgerline was unsure. Send it on in March and the awkward conversation never happens.

How does it decide a deposit is income?

Four signals, and it tells you which one it used on every line: the reference field (INV 0214, SUNNYSIDE, payout p-9f2), the amount against invoices still open, the date proximity to those invoices, and what that payer has done before. Debits at suppliers you have filed as business costs — Adobe, hosting, the printer — go through as expenses. Whatever is left stays unclassified rather than being guessed into a category.

What happens to the statement after I upload it?

It sits in your workspace, encrypted at rest, visible only to you. It is not used to train anything, it is not sold, and it does not go to your accountant unless you export it. Delete the file and it is gone; delete the account and everything goes with it, in one click.

What if it gets a line wrong?

Nothing is final until you approve it. Correcting a line teaches Ledgerline the rule for that payer, so their next statement arrives already sorted. If a whole import goes wrong, undo it and re-run the file — the drafts are only drafts, and no invoice reaches a client until you say so.

What Ledgerline can see, and what it cannot.

The whole product is built on one bargain: the machine reads paperwork, not your life. Every feature is tested against it, and a feature that needs more access than the bargain allows does not get built.

In the workspace

  • The statement files you upload, and the lines in them
  • The client names, projects and invoice numbers you give us
  • The corrections you make, which become rules for that payer

Never collected

  • Bank logins, card numbers or account credentials
  • Your personal account, unless you deliberately upload it
  • Anything from your browser: no analytics, no session recording, no advertising pixels