01 raked →
Point it at your bank
Read-only, bank-grade access across 12,000 UK and US institutions. Transactions arrive as they clear; if your bank won’t connect, CSV imports fill the gap.
Reconciliation for freelance designers
Your bank feed, reconciled into tax-ready invoices.
Ledgerline connects read-only to the account you get paid into, learns which deposits are clients paying and which outflows are Subscriptions–plus stock and software, then files every line against the right invoice or project. Year-end comes out recording-ready: your accountant signs and you get on with designing.
READ-ONLY BANK ACCESS · NO CARD REQUIRED
30-DAY TRIAL · FULL PRODUCT
FROM £12 / $15 / €14 A MONTH, CANCEL ANY TIME
WORKING LEDGER · MAY
LIVE · BUSINESS FEED
BANK FEEDMAY 2–3
MAY 2STR PAYOUT *4821 HAPG4,864.32
MAY 2ADOBE *CREATIVE CLD59.87
MAY 3WISE · NILS QVIST1,000.00
LEDGER ACTIONAUTO
RECEIPTED
Settles INV-114 — Hapgood+Row rebrand. Net of the 2.9% processor fee; $140.83 logged as cost of sale.
POSTED ✓INV-114VAT 0% · REVERSE
RULE #11
Software subscription — deductible, matched to 14 prior periods. Same rule, no questions asked.
CATEGORISED ✓6% VATDEDUCTIBLE
PART-PAYMENT?
Short of INV-97 by $240. Post as part-payment and chase the balance, or hold it unallocated?
PART-PAYMENT ✓UNALLOCATED
MAY · 3 TRANSACTIONS
2 POSTED · 1 QUESTION
How it works
Three postings, then it runs itself.
Bookkeeping only compounds when it goes undone. Ledgerline keeps the few lines a freelancer actually has moving in the background, so there is no month-end session to dread.
02 ledgered →
Ledgerline classifies
Sent invoices reconcile to deposits, processor fees are recognised as costs, and plain-language rules cover the rest — no code, no chart-of-accounts degree.
03 filed →
Export when it counts
One click produces CSV, XLSX and year-end PDFs in the exact shapes accountants, HMRC’s MTD cycle and IRS 1099-K summaries ask for.
The features
Everything a working ledger needs, nothing a designer doesn’t.
Six numbered lines, chart-of-accounts style — a glance should read as calmly as a well-kept account register.
Deposit matching
Open invoices reconcile against what arrives: full amounts, part-payments, or three invoices inside one transfer. Partial deposits stay flagged — never silently booked.
Rules that stick
“Anything from Adobe is software, 20% VAT.” Teach it once and it holds across years, with edits logged as corrections rather than silent rewrites.
Freelance shapes
Marketplace payouts, processor splits, foreign currency and stock-asset bills get native handling; without reorganising your prices to fit the tool.
Accountant exports
CSV, XLSX and account-ready PDFs. Pending and posted items are shown separately, so nothing is counted twice and every figure ties out.
VAT, MTD, 1099-K
VAT is calculated where you’re registered, Making Tax Digital summaries stay current, and US nexus is watched as your revenue crosses state thresholds.
Invited eyes
Bookkeepers see everything, read-only. Your accountant too — revocable, activity-logged, and never able to hide why.
Pricing
Priced like software. Saves like a bookkeeper.
Every plan is the full product. You’re choosing who’s in the ledger, not what it can do.
SOLO
$15 / MO
One freelancer, one bank feed, an accountant to satisfy once a year.
- 1 bank or card feed
- Unlimited invoices & rules
- CSV, XLSX & PDF exports
- MTD & 1099-K summaries
- Email support, 2 business days
STUDIO MOST PICKED
$39 / MO
For two-to-five people working under one shared ledger.
- Up to 16 bank & card feeds
- 5 seats, shared rules
- Bookkeeper seat, read-only
- Priority support, same day
- Year-in-review walkthrough
PRACTICE
$89 / MO
An accountant or multi-studio practice, books running underneath.
- Unlimited feeds & seats
- API & webhook access
- Named accountant on call
- SSO & audit mode
- Guided data migration
PRICES IN USD, BILLED MONTHLY · £12 AND €14 CONVERT AT CHECKOUT · ANNUAL BILLING IS 2 MONTHS FREE · 30-DAY FULL TRIAL, NO CARD · HMRC MTD, IRS 1099-K AND QUARTERLY RETURNS COVERED ON ALL PLANS.
In their words
Signed entries from the people who use it.
The first year I handed my accountant a straight ledger, she asked which bookkeeper I was using. There wasn’t one. There was Sunday-me, off the hook.
It reconciled a batch of five invoices paid in one deposit, then flagged the $480 late fee that looked like revenue. My spreadsheets never caught that.
Making Tax Digital stopped being a quarterly panic. Ledgerline keeps the summary current; I read it once, press confirm, and stop thinking about VAT.
Safekeeping
It reads your books. Structurally, it can’t spend them.
Your money never moves through Ledgerline, and its access rights are narrower than the bank app already on your phone.
Read-only, on purpose
Bank connections use your bank’s official read-only flow. There is no payment permission and no path to move money, full stop.
Corrections, not rewrites
Every edit posts as a new line, like a proper ledger: the old entry stays, so numbers always reconcile against a visible path.
Yours alone
Nothing you store is used for training or sold. Export everything, whenever; deleting means deletion, inside 30 days.
Kept in Europe
Data lives in Frankfurt and Dublin, encrypted with AES-256 at rest and TLS 1.3 in transit. GDPR by default and by design.
Snapshots on arrival
Feeds are snapshotted at clear time, so a bank’s late re-presentation or renamed descriptor can’t quietly alter a posted entry.
Scoped handoffs
Bookkeepers and accountants get revocable, read-only invitations. Every action by an invited guest is timestamped and yours to review.
Ready when you are
Books so tidy your next tax season is just reading.
Connect a feed, import last year’s transactions, and Ledgerline drafts your year-end pack in one sitting. Ten minutes tonight buys you a quieter January.
NO CARD · CANCEL ANY TIME · YOUR DATA LEAVES WHEN YOU DO