The finance stack
that actually balances.
Invoicing, expenses, reconciliation, tax and payroll — one product, ten tax systems, and a real double-entry ledger underneath. Send an invoice in two minutes and hand your accountant a pack they cannot argue with.
- 10
- tax jurisdictions
- 100%
- journals balanced
- 0
- floats in money code
Cash position
£42,318.60
Owed to you
£18,240.00
You owe
£3,120.40
VAT due
£4,862.19
Profit YTD
£31,904.55
Recent invoices
Ledger linked
INV-2026-0041
Harlow & Finch
INV-2026-0042
Meridian Coffee
INV-2026-0043
Borough Legal
Every figure traces to a journal entry
BalancedCountry engine
One product. Ten tax systems.
Your country drives the currency, the tax rates, the invoice wording and the fiscal year — not a translated template.
Country engine
Pick a country. Watch the rules change.
Currency, tax rates, invoice wording, tax-ID format, fiscal year, filing authority and e-invoicing deadlines are data — not code. Adding a market never breaks an existing tenant.
VAT invoice
INV-2026-0042
- Currency
- GBP
- VAT number
- GB 423 8911 22
- Registration threshold
- £90,000 taxable turnover
- Fiscal year
- 6 April – 5 April
- Filing
- VAT return (boxes 1–9) · Quarterly (MTD)
- E-invoicing
- Legislation announced
Rates shown are researched defaults you can override. Nothing here is filed to a tax authority automatically.
One product, no bolt-ons
Built for the person who does the books at 9pm.
Every screen is designed to be usable by a non-accountant in under a minute — with the depth an accountant needs underneath.
Invoicing & quotes
Line-level VAT/GST, per-line discounts, gap-free numbering, recurring invoices, dunning and a hosted pay page.
Expenses & mileage
Receipt capture, tax reclaim split, statutory mileage rates per country, approval workflow.
Bank reconciliation
CSV today, Open Banking next. Amount + reference + date matching with a rule builder.
Double-entry ledger
Every event posts a balanced journal. Trial balance, period drill-down, reversal-only corrections.
Reports & tax
P&L, balance sheet, aged debtors/creditors, VAT boxes 1–9, BAS and GST summaries, CSV exports.
Payroll & people
PAYE/NI, RTI, P60/P45 and pensions — built against HMRC golden files before release.
Engineering, not marketing
The parts your accountant will ask about.
Small-business software usually hides the ledger. Ours is the product: every invoice, payment and expense posts a balanced journal entry, and every report is a projection of those rows.
- Integer minor units everywhere — 20% VAT on £1,234.56 is exact, every time.
- Database triggers block deletes and edits on journal lines and the audit log.
- Tenant isolation designed around Postgres RLS policies (shipped in docs/rls.sql).
- Payment webhooks verified by signature and deduplicated by event id.
- Every mutation writes who/what/when/before/after to an append-only trail.
Journal · INV-2026-0042
Balanced| Account | Debit | Credit |
|---|---|---|
| 1100 Accounts receivable | 1,938.00 | |
| 4000 Sales — services | 1,615.00 | |
| 2100 VAT output (control) | 323.00 | |
| Totals | 1,938.00 | 1,938.00 |
Pricing
Half the price of the incumbents.
14-day trial, no card required. Annual billing saves two months. Payroll is a per-employee add-on when it ships — not a tier gate on basic bookkeeping.
Growth
£29/month
Five users, unlimited invoices, bank import, VAT preview.
Start 14-day trialPayroll add-on £4 per employee/month · VAT invoices issued for every subscription · cancel anytime.
SOC 2
Type I roadmap in progress. No report claimed until issued.
PCI DSS
SAQ-A scope via Stripe hosted checkout. No card data stored.
WCAG 2.2 AA
Keyboard-first, visible focus, semantic tables and labels.
UK / EU hosting
Data residency option designed for EU-only tenants.
Straight answers
Is Ledgerly recognised by HMRC for MTD?
Not yet, and we will not pretend otherwise. The tax engine produces HMRC box figures and keeps an audit trail, but submission is feature-flagged off until recognition is granted. Same for ATO BAS, CRA and SARS filing.
Can I switch country later?
Before your first posted transaction, yes — one click reconfigures currency, rates and wording. After that the country is locked, because moving jurisdiction mid-ledger is a data migration, not a settings toggle.
How do you handle money maths?
Every amount is an integer count of minor units. Tax is computed with exact big-integer arithmetic and half-up rounding per line, so totals never drift by a penny — no floating point anywhere.
What happens when I void an invoice?
Nothing is deleted. A mirror-image journal entry reverses the original, the invoice is marked void with a reason, and both entries stay in the audit trail forever.
Do you store card data?
Never. Payments run through Stripe or GoCardless hosted flows, so Ledgerly stays in PCI DSS SAQ-A scope. We do not store CVVs, PANs or bank credentials.
Send your first invoice before your coffee goes cold.
Country-correct tax, a real ledger underneath, and an accountant pack that exports cleanly.