Deposits that name themselves badly
FPI*SUNNYSIDE 0214 is a reference your bank made up, not one you can read. Twelve of those a quarter and you are reconciling from memory — or from the one tab you never closed.
Messy statement in. Tax‑ready invoices out.
Ledgerline reads the lines in your bank export — deposits, card payments, processor payouts — works out which client paid for what, files the expenses, and drafts the invoices your accountant asked for.
Free for your first 40 transactions. Any UK bank's CSV, OFX or QIF export. No card, no bank login.
- Median time, upload to first draft
- 6min
- Lines matched without your help
- 94%
- To start, for 40 transactions a month
- £0/mo
Your bank's export
- 04 Apr FPI*SUNNYSIDE 0214 REF ILLO +780.00
- 11 Apr STRIPE PAYOUT P‑9F2 · 3 ORDERS +2,310.00
- 17 Apr AMZN MKTP UK · CARD 4412 −38.40
- 28 Apr BT TRANSFER “poster thing” +240.00
Ledgerline reconciles
Drafts, ready for tax
- Sunnyside StudioINV‑0214 · illustration £780.00 Matched
- Shop orders 1188–1190split from payout P‑9F2 £2,310.00 Split ×3
- Software & kitAmazon · card 4412 −£38.40 Filed as cost
- Untitled transfer“poster thing” · 28 Apr £240.00 Needs you
Most of freelancing is admin you never agreed to.
Four things go wrong every month. None of them are design work.
One payout, several jobs
A single processor payout of £2,310 can be three separate orders from three separate weeks. Left as one line, two invoices never get raised and the money lands in the wrong month.
Expenses hiding in the card feed
Fonts, stock photography, Adobe, hosting, the printer in town. Unfiled, those debits get taxed as income — or forgotten entirely until your accountant asks for a receipt you have to dig out.
VAT and the reverse charge
An Irish studio pays you €1,400. Whether that invoice carries UK VAT or a reverse charge changes what you write on it, and the rule is rarely the one you remember.
Three steps, and only the last one is yours.
Ledgerline never connects to your bank. It reads the file you export, and nothing else.
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01
Export and drop
Pull a CSV, OFX or QIF from your banking app and drop it in. Ledgerline maps your bank's columns once, then remembers that this bank writes dates as 04-Apr and hides the invoice number in a field called “narrative”.
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02
Every line gets a job
References first (INV-0214, P-9F2), then amount against open invoices, date, and what that payer did last time. A processor payout is split against its own report. A transfer marked “poster thing” is left open until you name it — one guess is not a match.
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03
Approve, and it is tax-ready
Drafts arrive with client, project and category filled in. Approve them and you get invoice PDFs, a VAT summary and a Self Assessment total. Nothing reaches a client, and nothing reaches your accountant, until you say so.
Everything between “the money landed” and “sent to the accountant”.
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Client matching
Deposits matched to a client and a project, with the reason printed on the line. Correct one and Ledgerline keeps the rule for that payer.
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Invoice drafts
Missing invoices drawn up with your logo, terms and numbering. Approve one or approve thirty; clients only ever see the final PDF.
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Expense filing
Software, fonts, stock, hosting and print categorised as business costs, with the VAT treatment checked supplier by supplier.
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Currency
USD and EUR client payments converted at the rate on the invoice date, with the rate printed on the invoice for your records.
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Chasing
Reminders for invoices more than 30 days late, written in your voice, with a log of every nudge so you never chase the same client twice.
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The handoff pack
One folder: invoice PDFs, an expense CSV, a Self Assessment summary, and a note on every line Ledgerline was unsure about.
Where Ledgerline stops.
A tool that handles your money should be clear about its edges. These are the three that matter, stated as refusals.
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It will not file your return.
It hands you the numbers and the categories. You, or your accountant, submit them.
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It will not invent a receipt.
Unmatched spending is flagged for you and left alone. It is never guessed at, and never folded into a category it does not belong to.
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It cannot move money.
It reads files. There is no bank connection to revoke and no card on file to charge.
Priced like software, not a cut of your income.
Prices in pounds, excluding VAT. Change plan, or leave, by replying to any email we have sent you.
Sketch
£0/ month
First year freelancing. A couple of clients, and no patience for another piece of software.
- 40 statement lines a month
- 1 bank account, 1 currency
- CSV and OFX import
- Invoice drafts, with a small Ledgerline mark
- CSV export, any time
Most designers
Studio
£14/ month, or £140 a 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 and Self Assessment summaries
- 12 months of searchable history
- Email support from the two people who built it
Practice
£34/ month, or £340 a year
A small studio, or a freelancer keeping the books for someone else.
- Everything in Studio
- 5 logins, each with an audit trail
- The accountant handoff pack
- Automatic chasing past 30 days
- Full ledger export, JSON and CSV
Yearly plans are invoiced in April, once you have been paid. No setup fee, and no percentage of anything you earn.
Asked before the first upload.
Do you connect to my bank?
No, and that is the point. You export the file from your banking app and upload it. Nothing stays connected, nothing renews, and deleting an import revokes everything it contained.
Which banks and formats can you read?
CSV, OFX and QIF from any UK bank, high street or challenger, plus PDF statements that carry a text layer — about nine in ten. A scanned printout is transcribed by a person at £12 a statement, because we would rather charge you than guess.
Will this replace my accountant?
No. It replaces the evenings you spend sorting transactions and reconstructing invoice numbers. What it produces is a folder your accountant can open without an account: invoice PDFs, a categorised expense CSV, and a note wherever Ledgerline was unsure.
How does it decide a deposit is income?
Four signals, printed on every line: the reference field, the amount against open invoices, how close the date is, and what that payer did before. Debits at known suppliers go through as expenses. Anything left over stays unclassified rather than guessed.
What happens to my data?
It stays in your workspace, encrypted at rest and visible only to you. It is never sold, never shared, and never used to train anything. Delete an import and it is gone; close your account and the whole workspace goes with it.
What if it gets a line wrong?
Nothing is final until you approve it. Fix a line once and the rule sticks for that payer. If an entire import goes sideways, discard it and run it again — drafts are drafts, and no invoice reaches a client without your say-so.
Bring the messy export. Leave with invoices.
Upload one month and see every client named by the end of it. Free for your first 40 transactions — no card, no bank login.
Prefer email? Write to hello@ledgerline.app — one of the two of us replies, usually the same working day.