Desk
£0/ month
One statement a month, while you decide whether this is worth your time.
- One import a month
- Invoices as PDF
- Last three months kept
- Email support
A messy bank statement goes in. Tax-ready invoices come out.
Ledgerline reads the statement your bank lets you download, matches every deposit to a client and a project, and drafts the invoices you never got round to writing. It is read-only — it never asks for your bank login.
Free while it is in beta. One email to start, no card, no bank login.
- Formats read from your bank
- CSV · OFX · QIF
- Bank logins Ledgerline asks for
- None
- Your file, once the month is closed
- 30 days then deleted
- Cost to start
- £0 per month
Sample — April statement. Names changed, figures scaled.
14/04
SQ *STRIPE TRF ST-8829A
+£2,310.00
12/04
FP HALLOWAY DESIGN CO
+£900.00
09/04
CARD PAYMENT — ADOBE SYS
−£54.99
06/04
WISE EUR 88213 VNT B.V.
+£1,150.00
matched to clients
J. Okonkwo
3 receipts @ £770.00 · sprint work
£2,310.00
Matched
Halloway Design Co
Retainer, April
£900.00
Matched
VNT B.V.
Print retainer, March
£1,150.00
Needs you
Adobe Systems
Software — filed as an expense
−£54.99
Filed
The statement is honest. It is just unreadable.
You already have the evidence of what you earned. What you do not have is the hour, every month, to turn reference codes back into client names — so the invoices wait, and March arrives with February unsent.
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Your bank calls your client a reference code.
SQ *STRIPE TRF ST-8829A. Wise EUR 88213. FP HALLOWAY. The payer's name is the first thing the payment processor drops.
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A lump payout hides three invoices.
One £2,310.00 transfer on the 14th is three receipts to one client. Nothing on the statement tells you that, so it stays one line.
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Invoices get written late, or not at all.
The work shipped in a good month. The invoice did not, so the month looks empty on paper and the tax year looks worse than it was.
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Tax time rebuilds the same spreadsheet.
Six months of statements, one weekend, and a categorisation you redo from scratch because last year's file has gone missing.
How it works
Three parts. One of them is yours; the other two are the part nobody wants to do.
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Export the statement your bank already gives you.
CSV, OFX or QIF — whatever your bank's download button produces. Drop the file in. Ledgerline never connects to your account and never asks for a login, so there is no standing access to revoke later.
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Ledgerline matches deposits to clients and projects.
It reads the reference codes, learns the names behind them, and splits a lump payout into the receipts it represents. Matches it is not sure about stay marked “Needs you” until you confirm — usually two or three a month, not two or three hundred.
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Invoices are drafted, numbered and ready to file.
Every match becomes a draft invoice with a number, a date, a client and a line. Send it straight from Ledgerline, or export the month as PDF and CSV for your accountant.
What lands in your folder after an April import
- 2026-04 — invoices.pdf
- 2026-04 — expenses.csv
- 2026-04 — unmatched.csv
- 2026-04 — accountant-pack.zip
The same four files, every month, with the same names — so your accountant stops emailing to ask which one is which.
Where it stops
Ledgerline does one job narrowly. Here is the edge of it, stated plainly, so you do not buy it expecting something else.
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It will not file your tax return.
Ledgerline produces the invoices and the categorised expenses. The filing — the return, the deadlines, the awkward questions — is still you and your accountant.
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It will not touch your bank.
No open banking, no credentials, no live feed. You download a file and hand it over. The only access you grant is one you can see the end of.
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It will not guess at a match it does not know.
An unfamiliar reference stays “Needs you” until you say what it is. It would rather ask than invent a client on your behalf.
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It will not replace a bookkeeper.
If you want someone chasing late payers or answering the VAT question, that is a person. Ledgerline is the paperwork underneath them, done properly.
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It will not keep your statement.
The imported file and its parsed rows are deleted thirty days after you close a month. Nothing is sold, pooled, or used to train anything.
What happens to your statement
Money data deserves a plain answer, not a policy page.
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Upload
You upload an export you chose to download. There is no connection to the bank, so there is no live account sitting behind the door.
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Read
Ledgerline parses the rows, matches deposits to clients and projects, and writes drafts. That is the whole of what it does with the file.
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Delete
Thirty days after a month is closed, the source file and its parsed rows are deleted. You can delete them sooner from that month's page.
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Never
Not sold, not shared with third parties, not pooled across users, not used to train a model. In beta, the privacy note is a sentence, not a document.
What it costs
One price for the whole job. No per-invoice fee, no “contact us” tier, and no card taken while we are in beta.
Studio
Most designers£12/ month
The whole job — every month, every format, straight through to your accountant.
- Unlimited imports
- Draft and send invoices
- Expense categories and receipts
- Monthly accountant pack (PDF, CSV)
- Up to two banks at once
Practice
£29/ month
If you keep the books for a handful of design clients, not only your own.
- Everything in Studio
- Up to ten ledgers
- Read-only access for your accountant
- Priority support on one thread
Prices include VAT. Billed monthly, cancel any time. During the beta you ask for a seat and we email you a link — no card is taken, and nothing is charged until you say so.
Questions
Do I have to give Ledgerline my bank login?
No. There is no bank connection at all. You export a statement from your bank — the same file you would send your accountant — and upload it. Ledgerline has nothing to log in to.
Which banks and formats work?
Any bank that downloads CSV, OFX or QIF, which covers most UK current accounts, plus Wise, Revolut and Stripe payouts. If your export does not parse, email it to us and we will add the format.
Does it produce my tax return?
No. It produces the invoices and the categorised expense list your return is built from. The filing is still you and your accountant — see where it stops.
What actually happens to my statement file?
It is parsed, matched, and used to draft invoices. Thirty days after you close the month, the file and its parsed rows are deleted. Nothing is sold or used to train anything. The detail is in what happens to your statement.
I am not VAT registered. Does that matter?
No. Invoices are drafted without a VAT line by default, and you can switch VAT on per client if you register later.
What does it cost, and when am I charged?
Free for one statement a month; £12 a month for the full thing. No card is taken while Ledgerline is in beta — you ask for a seat and we email you a link. The prices are on the rate card.
Send one statement and see what comes back.
Upload an April export. If Ledgerline drafts your invoices correctly, keep using it. If it does not, tell us why — that is the most useful email we get.
No card. No bank login. You can stop by replying to any email we send.