Ledger
An income and expense tracker for Australian sole traders — aligned to the financial year and BAS reporting cycle. All your data stays on your own device.
Your privacy
Ledger stores everything — your transactions, password, and settings — inside your own browser, on your own device. Nothing is uploaded to a server. No one else can see your data, and Ledger itself has no account system.
Because data is stored in the browser, two people opening Ledger on different computers have completely separate, independent workspaces. They cannot see each other's transactions.
How your password works
Your password is saved in this browser, on this device — not on a server. That means:
· Opening Ledger on a different computer or phone starts a fresh, empty workspace with no password set yet.
· If you clear your browser's site data or history, your password and all transactions are erased.
· There is no "forgot password" — if you lose it, use Settings → Clear All Data to reset and start over.
Two tabs
Transactions — Drop receipts for AI extraction, manage your full register, filter by quarter and month, and export your BAS.
Summary — A full-year pivot showing income by account and expenses by description, month by month. Export for your accountant.
Backups
Because your data lives only in the browser, a browser reset or clearing site data will delete it. Back up regularly: Export CSV monthly → Export BAS quarterly → Archive FY each July.
Settings
Use the cog icon (top right) to change your password, manage transaction descriptions, archive a completed financial year, or clear all data.
Transactions Tab
Your main workspace. Drop receipts at the top for AI extraction, then manage your full register below. All changes save automatically as you type.
Uploading receipts
1
Drop JPG, PNG, or PDF files onto the upload zone, or click it to browse. Multiple files are queued and processed one at a time.
2
Each file is sent to Claude AI, which reads the receipt and fills in the date, description, type, and GST-inclusive amount automatically.
3
The new row appears in the table straight away. Review every field and correct anything the AI got wrong.
Filtering by quarter & month
Click a Quarter button (Q1–Q4) to filter the table to that quarter. Month pills (e.g. Jul · Aug · Sep) appear below — click one to narrow to that month. Click the active pill again to return to the full quarter view.
Australian financial year quarters: Q1 Jul–Sep · Q2 Oct–Dec · Q3 Jan–Mar · Q4 Apr–Jun.
Adding rows manually
1
Select a quarter (and optionally a month pill), then click + Add Row. The date pre-fills to the 1st of the selected period.
2
Edit the Date (DD/MM/YYYY), then choose a Description from the dropdown. The Category and GST fields fill in automatically based on what you select.
3
Choose an Account and Type, then enter the GST-inclusive amount. GST is calculated automatically as amount ÷ 11.
Category & auto-classification
When you choose a description, Ledger automatically suggests a Category using exact matching, fuzzy matching, and keyword rules. Hover over the category field to see how the match was made.
You can always change the category manually — just click the dropdown and pick a different value. Categories are used in CSV exports for accountant reporting.
To add your own descriptions (e.g. specific subscriptions or clients), go to Settings → Transaction Descriptions → Add. Use the Note field for any additional detail specific to a transaction.
GST toggle
GST — the transaction includes GST. The GST amount is calculated and flows through to BAS figures.
N/A — GST-free (e.g. bank fees, ASIC fees, medical services, car rego in Victoria). GST amount is treated as zero. This is set automatically for known GST-free descriptions.
Totals grid
The grid below the table shows transaction counts, income, expenses, and estimated GST for three periods: the selected Month (greyed out if no month pill is active), the current Quarter, and the full financial year (YTD).
Import / Export CSV
Use Export CSV to download the currently filtered view (quarter or month) as a spreadsheet. Use Import CSV to reload a prior export. Exported columns include: Date, Quarter, Month, Description, Category, Account, Type, Income, GST Payable, Expense, GST Receivable, Note.
Summary Tab
A full financial year pivot table. Select the FY from the dropdown at the top; the tables update instantly.
Income table
Rows are each of your accounts. Columns show the FY total and GST payable, then a breakdown by month (Jul–Jun) with a Total and GST sub-column for each. Net Income and estimated GST Refund rows appear at the bottom.
Expense table
Rows are each transaction description in your list (all are shown, even those with no transactions that year). Same monthly column structure with GST Receivable sub-columns. A TOTAL row summarises every column.
Scrolling
Scroll up and down normally. To scroll left and right through the monthly columns, hold Shift and scroll. Both tables scroll independently.
Export CSV
Downloads the full pivot for the selected FY — both income and expense sections — as a single CSV file. This is the format most accountants and bookkeepers expect at year-end.
BAS Export
Generates a print-ready Business Activity Statement summary for a single quarter. Found in the Transactions tab controls bar — select your quarter and FY first, then click Export BAS.
How to export
1
In the Transactions tab, select the correct Quarter and FY using the controls bar.
2
Click Export BAS. The report opens in a new browser tab — allow pop-ups if your browser blocks them.
3
Use Print (Ctrl+P / ⌘P) and choose Save as PDF to save a copy to OneDrive or send to your accountant.
ATO labels
G1 Total sales · G3 GST-free sales · G6 Taxable sales · 1A GST on sales
G10 Capital purchases · G11 Non-capital purchases · G14 GST-free purchases · G17 Taxable purchases · 1B GST credits
The net GST position (1A − 1B) is shown as either GST Refund Due or Net GST Payable.
GST-free transactions
Transactions with the GST toggle set to N/A are included in the GST-free labels (G3 for income, G14 for expenses) and excluded from taxable totals. Make sure your GST toggles are accurate before exporting.
Archiving a Financial Year
At the start of each July, archive the completed financial year — download it as a CSV for long-term storage, then remove it from Ledger so you start the new year fresh. Found in Settings → Archive Financial Year.
Step by step
1
Open Settings (cog icon, top right) and scroll to Archive Financial Year. The selector defaults to the most recently completed FY.
2
Click Export Archive CSV. A file such as Ledger_FY2026_archive.csv will download.
3
Save the file somewhere permanent — OneDrive, Google Drive, or an external hard drive. This is your only copy once you clear Ledger.
4
Click Clear Archived FY. A confirmation will ask how many transactions will be removed and ask you to confirm you've saved the file. Click OK to proceed.
Retrieving an archived year
Open the CSV in Excel or Numbers to review it any time. To reload it into Ledger temporarily (e.g. to re-export a BAS), use Import CSV in the Transactions tab — then clear it again when done.
Regular backups
Don't wait until July. Use Export CSV in the Transactions tab at the end of each month as a rolling backup. These are transaction-level exports — they don't remove anything from Ledger.
