Deposits with no names
“FPI £780” could be Sunnyside's final payment or a deposit for the next project. Ledgerline checks amounts, dates, references and past behaviour to name the client — and tells you which clue it used.
Built for freelance designers
Your bank statement is a mess. Your invoices don't have to be.
Ledgerline reads the deposits, transfers and card payments piling up in your account, works out which client paid for what, and turns each one into a clean, tax-ready invoice — with the right rate, VAT treatment and expense category attached.
Free for 40 transactions a month. No bank login required — upload a CSV export. Cancel anytime.
- 6 minmedian time from upload to first invoice batch
- 94%of transactions auto-matched to the right client
- 4,200+freelance designers filing with Ledgerline
From your bank export
- 04 AprFPI *SUNNYSIDE 0214 *REF ILLO+£780.00
- 11 AprSTRIPE PAYOUT P-9F2 *3 ORDERS+£2,310.00
- 11 MayADOBE *CREATIVE CLOUD *CARD 4412−£38.40
- 30 MayFPI *“poster thing” *NO REF+£240.00
Tax-ready invoice — INV-0214
Sunnyside Studio
Spring campaign — illustration
Spring campaign — illustration
Due 19 May£780.00
| Line | Category | Amount |
|---|---|---|
| Logo refresh, 3 concepts | Design income | £780.00 |
| Adobe CC, May (expense) | Software | −£38.40 |
Matched to client VAT: reverse-charge checked 1 line needs your eye
Designers didn't go freelance to reconcile bank statements.
Payouts that hide three jobs
One Stripe payout for £2,310 is really three shop orders at £770 each. Ledgerline splits processor payouts against the payout report so every order gets its own receipt.
Expenses lost in the card feed
Fonts, stock photos, Adobe, hosting, print proofs — card debits get filed as business expenses automatically, so they never end up taxed as income by mistake.
How it works
Three passes. You only watch the last one.
No bank login, no live connection. You export the statement; Ledgerline does the paperwork.
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1
Drop in your export
CSV, OFX, QIF or PDF from any UK bank. Column layouts are mapped once per account — after that Ledgerline remembers that your bank writes dates as 04-Apr and hides the invoice number in a field called “narrative”.
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2
Every line gets matched
References first (INV-0214, SUNNYSIDE, P-9F2), then amount against open invoices, date proximity and payer history. One Stripe payout becomes three £770 receipts. A £240 transfer marked “poster thing” stays unmatched until you name it — one guess is not a match.
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3
Approve tax-ready invoices
You get invoice drafts with client, project and tax category filled in, plus Self Assessment and VAT summaries and PDFs named the way your accountant asked. Nothing leaves the drafts folder until you approve it.
Where Ledgerline stops
- It won't file your return — it hands over the numbers and categories for you or your accountant.
- It won't invent receipts you never kept — unmatched expenses are flagged, never guessed.
- It can't move money — it reads files, never touches your account or card.
What you get
Everything between “payment landed” and “sent to the accountant”.
Client matching
Deposits matched to clients and projects with the reason shown on every line. Correct one line and Ledgerline learns the rule for that payer.
Invoice drafts
Missing invoices are drafted with your logo, payment terms and numbering. Approve one or approve thirty — clients only ever see the final PDF.
Expense filing
Software, fonts, stock, hosting and print are categorised as business costs automatically, with VAT treatment checked per supplier.
Multi-currency
USD and EUR client payments converted at the ECB rate on the invoice date, with the rate printed on the invoice for your records.
Chasing
Polite reminders for invoices over 30 days late, written in your voice, with a record of every nudge so you never double-chase.
Accountant handoff
One folder: invoice PDFs, expense CSV, Self Assessment summary and notes on every uncertain line. Your accountant opens it with no login.
April doesn't have to hurt.
Maya, a Leeds illustrator, uploaded 11 months of statements on a Tuesday night — 214 transactions, two currencies, one missing invoice from June. By Wednesday morning she had 63 invoices, £1,940 of expenses filed, and a one-page summary her accountant called “the first clean handoff I've had all year”.
- Transactions sorted
- 214
- Invoices produced
- 63
- Accountant queries
- 2
Pricing
One price per studio. Never a cut of your income.
Start free, upgrade when invoicing becomes a weekly job. Prices in pounds, excluding VAT.
Sketch
£0 / month
First year freelancing, two clients, no patience for software.
- 40 statement lines a month
- 1 bank account, 1 currency
- CSV + OFX import
- Invoice drafts with Ledgerline mark
- CSV export anytime
Most popular
Studio
£12 / month or £120 / year
One freelancer invoicing properly with an accountant to keep happy.
- Unlimited lines, clients and invoices
- PDF, QIF and scanned-statement import
- Your logo, terms and invoice numbering
- VAT + Self Assessment summaries
- 12 months searchable history
- Email support from the two people who built it
Practice
£29 / month or £290 / year
Small studios, or freelancers keeping books for someone else.
- Everything in Studio
- 5 logins, each with audit trail
- Accountant handoff pack
- Payment chasing over 30 days late
- JSON + CSV export of full ledger
Yearly plans invoiced in April, when you've been paid. Cancel by replying to any email we've sent you.
FAQ
Asked before uploading a statement.
Do you connect to my bank?
No — and that's deliberate. You export the statement from your banking app and upload the file. Nothing stays connected, nothing renews, and deleting the file revokes everything.
Which formats can you read?
CSV, OFX and QIF from any UK high-street or challenger bank, plus PDF exports with a text layer (about nine in ten). Scanned printouts are transcribed by a person at £15 per statement — we'd rather charge you than guess.
Does this replace my accountant?
No. It replaces the months you spend sorting transactions and chasing invoice numbers. The output is a folder your accountant opens without an account: invoice PDFs, category CSVs, and a note everywhere Ledgerline was unsure.
How do you decide a deposit is income?
Four signals, shown on every line: the reference field, the amount against open invoices, date proximity, and payer history. Debits at known suppliers go through as expenses. Anything left over stays unclassified rather than guessed.
What happens to my data?
It lives in your workspace, encrypted at rest, visible only to you. Never used for training, never sold, never sent anywhere unless you export it. Delete a file and it's gone; delete your account and everything goes with it.
What if a line is wrong?
Nothing is final until you approve it. Fix a line once and the rule sticks for that payer. If a whole import goes sideways, undo it and re-run — drafts are drafts, and no invoice reaches a client without your say-so.
Bring the messy export. Leave with invoices.
Upload January today and see every client named by tonight. Free for your first 40 transactions — no card, no bank login.
Prefer email? Write to hello@ledgerline.app — a human replies within two working days.