Every other money app just watches your money. Ledger does something about it.
Ledger organizes your entire financial life — accounts, net worth, cash flow, debt, taxes, and documents — then puts AiMe, your AI financial operator, and a real tax, lending, and wealth team to work on it.
Free to start · No credit card · Bank-level encryption
The difference
A dashboard tells you what happened. Ledger helps you change what happens next.
- —Shows you charts of the past
- —Leaves the decisions to you
- —Ignores your taxes entirely
- —Hands you a to-do list
- —Ends at the export button
- ✓Maps your money and your future
- ✓AiMe takes action with your approval
- ✓Understands your real tax picture
- ✓Does the work, then reports back
- ✓Hands off to a real advisory team
Everything your money needs, in one place
Not another budgeting toy. A complete financial operating system for your household.
Connect your banks, cards, loans, and investments. Ledger tracks your net worth over time and keeps the whole picture current — automatically.
A cash-flow view that traces every dollar from income to where it actually lands. No spreadsheet, no guessing — just a clear map of your month.
Ledger reads your real spending and seeds smart budget envelopes for you. Adjust in seconds instead of starting from a blank screen.
Subscriptions and recurring charges are detected and surfaced, so nothing quietly drains your account for another year.
See each loan’s payoff date and a full schedule — every payment split into principal and interest — built from your real statements, not vague encouragement.
Project your future with the taxes built in — brackets, RMDs, Roth conversions, Social Security. Most apps forecast in pre-tax fantasy dollars. Ledger does not.
Keep tax returns, statements, and financial documents in one encrypted place — and AiMe can read from them when you ask it to.
Authorize Fidelis to pull your IRS transcripts, and get same-day alerts the moment your IRS account changes — so a notice never blindsides you again.
Meet AiMe
Not a chatbot. A financial operator that works for you.
AiMe lives inside Ledger, grounded in your real numbers. Ask it anything about your money and it answers in plain English — then it can actually do the thing: categorize transactions, build a plan, read a document from your vault, or draft your next move.
Every action waits for your one-tap approval, and a real advisor is always in the loop. It is the assistant your accountant would be if they never slept.
Ledger vs. the budgeting apps
Mint shut down. Monarch and YNAB still only narrate. Here is where Ledger is built differently.
| Fidelis Ledger | Typical budget app | |
|---|---|---|
| Shows you your money | ✓ | ✓ |
| Actually acts on it (with your approval) | ✓ AiMe takes action | ✗ Reports only |
| Understands your real tax situation | ✓ Tax-aware | ✗ Tax-blind |
| A real tax, lending & wealth team behind it | ✓ Licensed pros | ✗ Software only |
| Tax-aware forecasting (brackets, RMDs, Roth) | ✓ | ✗ Pre-tax estimates |
| Your data is never sold or used to train outside AI | ✓ | Varies |
| One front door to tax, lending, and wealth services | ✓ Full ecosystem | ✗ |
The Fidelis ecosystem
Ledger is your front door to a whole financial firm
This is the part no budgeting app can copy. When Ledger surfaces something worth acting on, a licensed Fidelis team is already attached — and they start with your full context.
Start free. Upgrade when you want your advisor in the room.
Your AI financial guide is waiting on day one. See the full comparison →
Free
Get organized
- ✓Up to 3 accounts (manual)
- ✓Budget & goal tracking
- ✓Net worth snapshot
- ✓5 AiMe questions/month
Clarity
Get clear
- ✓Everything in Free
- ✓Up to 10 connected accounts
- ✓Net worth & portfolio view
- ✓50 AiMe questions/month
- ✓10-document secure vault
Intelligence
Get ahead
- ✓Everything in Clarity
- ✓Unlimited accounts
- ✓1M AiMe tokens/month
- ✓Financial plan generation
- ✓Quarterly advisor review
One Ledger. Three ways in.
The same intelligence behind your household, your business, or your firm.
Your whole money picture, AiMe, and a real advisory team. Start free.
You’re hereBooks on autopilot for $29/month, with a real tax team attached.
See Ledger Lite →Every client’s books on one AI platform at $29/client/month.
See Ledger Pro →Up and running in minutes
AI handles the speed work. Your advisor is in the loop when it counts.
No credit card. Connect an account or start manually in under a minute.
Your AI operator maps your money — net worth, cash flow, tax exposure, and where you can get ahead.
Approve AiMe's moves, or hand off to a real advisor for tax, lending, or wealth work.
Frequently asked questions
Ledger is a personal finance platform that pulls your whole money picture — accounts, net worth, cash flow, budgets, debt, documents, and even your IRS record — into one place. What makes it different is AiMe, your AI financial operator, and the real Fidelis team of tax, lending, and wealth professionals standing behind it. Ledger does not just report your money; it helps you act on it.
Yes. You can start for free with up to three accounts, budgeting, a net worth snapshot, and 5 AiMe questions a month — no credit card required. Paid plans (Clarity at $49/month and Intelligence at $89/month) add connected accounts, a larger AiMe allowance, a document vault, financial-plan generation, and advisor reviews.
Budgeting apps are narrators — they show you charts and leave the work to you. Ledger is built to act: AiMe can categorize, plan, draft, and take action on your finances with your one-tap approval, and it is tax-aware in a way budget apps are not. Just as important, Ledger is the front door to a real advisory firm. A budgeting app cannot bolt on a licensed tax practice, a lending desk, or an IRS-resolution team. Fidelis already is those things.
AiMe is your AI financial operator inside Ledger. It is grounded in your own data, explains your finances in plain English, and can take real action — updating your ledger, building a plan, or pulling from your document vault — but only after you approve it. It is not a generic chatbot that hands you a to-do list and disappears.
Bank connections run through Plaid with read-only access and bank-level encryption. Fidelis never sells your data and never uses it to train outside AI models. Your information stays inside the Fidelis ecosystem, and nothing is shared beyond it without your consent.
Both. Ledger is software you can use entirely on your own, but a real tax, lending, and wealth team is one click away. When your situation calls for a licensed professional — filing, tax strategy, financing, IRS relief, or investment advice where offered — Ledger hands off to real advisors who already have your context.