Product tour

Everything your books need. Nothing they don’t.

Five things happen to money in a small business: it arrives, it leaves, it gets invoiced, it gets taxed, and someone has to check it. Ledgerly does all five, quietly.

Bank feeds

Every transaction, already in the right column

Connect your accounts once, over FCA-regulated open banking, and transactions flow in as they happen — categorised by a model trained on eleven million UK small-business transactions. Correct one and Ledgerly remembers, forever.

30+ UK banks, including Monzo Business, Starling and Barclays
Duplicates and transfers between your own accounts merged automatically
Read-only access — Ledgerly can never move your money

Feed · Tuesday3 confirmed · 1 to review

GoCardless payoutSales income+£980.00

Clays Print, BungayPrint & production−£214.60

TfL travel chargeTravel−£8.10

Transfer from savingsNeeds a look+£2,000.00

Invoicing

Invoices that chase themselves

Ledgerly sends your invoice with a payment link, then follows up at 7, 14 and 21 days in your name — firm, polite, and impossible to take personally. When the money lands, the ledger updates itself and the chasing stops.

Card and bank-transfer payments via Stripe and GoCardless
Reminder schedule and wording are yours to edit
Customers on Ledgerly get paid 12 days sooner on average

Invoice #187 · thread£1,450.00

Reminder sentTue 08:59

“Hi Priya — a gentle nudge that invoice #187 fell due last Friday. The payment link is below if useful.”

Client repliedTue 14:22

“Sorry Elin — completely missed this. Paying today.”

Paid in fullWed 09:14

Ledger updated automatically · chasing stopped

VAT & Making Tax Digital

VAT without the spreadsheet

Your return assembles itself from the ledger as you work, with every figure traceable back to the transactions behind it. We file your VAT return. You check it, tap approve, done.

Files directly to HMRC — recognised MTD software
42 automatic checks before you can submit
Standard, cash and flat-rate schemes supported

VAT returnApr–Jun 2026

Box 1 · VAT due on sales£4,112.20

Box 4 · VAT reclaimed£1,326.55

Box 6 · net sales£20,561.00

Net due to HMRC£2,785.65

42 checks passed · due 7 August · ready to file

Receipt capture

Receipts, photographed and filed

Photograph the receipt at the till. Ledgerly reads the merchant, total and VAT, matches it to the card payment already in your feed, and attaches the image to the transaction — HMRC-compliant digital records without the shoebox.

Works from your phone’s browser — nothing to install
Forward email receipts to your private Ledgerly address
Originals stored for seven years, as the rules require

MerchantScrewfix, Leeds

Total£38.12

VAT (20%)£6.35

Matched to card payment · Tue 30 Jun

Accountant access

A seat for your accountant, free

Give your accountant their own login on Studio and Practice plans — no charge, no shared passwords. They see the live ledger, draft your VAT return and leave notes on anything odd. You stay the only person who can approve.

Granular permissions — you choose what they can touch
Full audit trail of every change, by everyone
Year-end exports in the formats practices actually use

People & access2 seats

JW Joan Whitfieldj.whitfield@harperbeam.co.uk · Accountant Full ledger

Draft VAT returns

Export data

Billing & plan

The honest comparison

Ledgerly, spreadsheets, or the old guard

Spreadsheets are free until you cost your own Sundays. Traditional packages do everything — including forty things you’ll never open.

What you get	Ledgerly	Spreadsheets	Traditional software
Live bank feeds	Yes	No	Yes
Auto-categorisation that learns	Yes	No	No
Automatic invoice chasing	Yes	No	No
MTD VAT filing	Yes	No	Yes
Receipt capture with matching	Yes	No	No, usually a paid add-on
Free accountant seat	Yes	No	No
Typical setup time	23 min	2–3 hrs	2–3 days
From, per month	£9	£0*	£30+

*Plus one Sunday a month, forever.

Integrations

Plays well with the money you already have

Banks connect over open banking. Payments, migrations and the rest connect in a couple of clicks.

Stripe
GoCardless
Monzo Business
Starling
Barclays
NatWest
Lloyds
HSBC
Revolut Business
Tide
Wise
Xero migration
QuickBooks import
Dext
Zapier
CSV import

See it with your numbers in it.

The trial imports your last three months of transactions, so you’re looking at your books — not demo data.

Start free trial Book a 20-minute demo