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Ledgerly Ledgerly
A Raise Is Taxed · Every Dollar You Stop Leaking Is 100% Yours

Your entire household, bills & family net worth in one private vault.

Most families don't have an income problem - they have an invisible leak problem. Forgotten subscriptions, creep on auto-pay bills, unsplit Amazon/Costco charges, and missed tax deductions quietly drain $3,800 to $7,400 every year.

[DRN] Subscription Drain Radar Flags recurring monthly charges & shows their 10-year compounded family wealth cost.
[$!] Surprise Bill Spike Alerts Catches utility spikes, duplicate charges, and bills above your $250 / $500 alert limit.
[CAM] 80ms Phone Receipt & PDF Reader Snap receipts on your phone or drop bank PDFs. Extracted locally at $0 with zero data selling.
HOME Homes, Cars, Loans & Tax Zip Track your real net worth, split mortgage interest/escrow, and export a 1-click CPA tax package.
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Watch Your Household Vault in Action (30-Second Live Tour)

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See how a family snaps receipts, catches forgotten subscriptions, and exports a 1-click tax package.

Why Subscribe · Executive Value & ROI Breakdown ← Back to Main Site
Why Families Subscribe · 42x Annual Return on $9/mo Replaces Monarch ($15/mo) + Rocket Money ($12/mo) + YNAB ($15/mo)

Why a $9/mo Household Vault Reclaims $4,590/Year ($4,482/Yr Net) in Post-Tax Family Wealth

Free apps harvest your financial data to sell high-interest credit cards and personal loans, while App Store finance apps charge $15 to $20/month just to show yesterday's transactions. Ledgerly gives your family a private, CPA-grade financial command center with 6 autonomous wealth engines:

1. [DRN] Subscription Drain & 10-Yr Compounded Radar Automatically detects recurring streaming, gym, and app charges and calculates their 10-year S&P 500 opportunity cost with 1-click cancellation checklists.
2. [$!] Utility, Insurance & Auto-Pay Spike Detector Flags quiet renewal rate hikes on internet, electric, auto insurance, and duplicate merchant charges the day they hit your statement.
3. [CAM] 80ms Local Phone Receipt & Statement Reader Snap grocery/home-improvement receipts or drop bank PDFs. Extracted locally at $0 with hardware PII redaction across 48 mastered financial & tax forms.
4. FLOW Monarch-Style Sankey Cash Flow & Flex Budgets See exact monthly Income vs. Fixed, Flexible & Savings flows (82%+ tie-out) with 3-bucket Flex Budgeting that adapts without spreadsheet guilt.
5. DEBT Mortgage & Auto Loan Extra-Principal Accelerator Track real home equity, property basis improvements, and simulate how +$200/mo extra principal shaves years and tens of thousands in interest off your loans.
6. 1040 Live Schedule A Tax Estimator & 1-Click CPA Zip Tracks charitable gifts, medical expenses, Form 1098 mortgage interest, and SALT caps year-round, exporting a ready-to-file CPA workpaper .zip in 1 click.
Why Business Owners & Landlords Subscribe · Save $4,452 to $5,052/Yr (Up to $5,052/Yr) Replaces Per-Entity QuickBooks Fees + Property & Job-Costing Add-Ons

Audit-Proof Double-Entry Books, IRS Schedule E & Multi-Entity Consolidation

Legacy accounting software charges $90 to $200/month per company file and still forces you to track rental depreciation, commercial CAM reconciliations, contractor W-9/COI compliance, and intercompany loans in fragile spreadsheets. Ledgerly automates the hard accounting underneath:

1. SCH-E IRS MACRS Depreciation & Cost Segregation Engine Enforces non-depreciable Land vs. Building splits, 27.5-yr residential / 39-yr commercial mid-month conventions, and 5/7/15-yr Cost Segregation with 2024 bonus rules.
2. LEASE Commercial CAM Proration & ALTA Auto-Booking Reads commercial triple-net leases (ASC 842 / IRC §467), prorates CAM pools by square footage and mid-year move-in/move-out dates, and books ALTA closing statements automatically.
3. TRUST Security Deposit & Owner Draw Exclusion Guard Hard-coded accounting guards prevent tenant security deposits (2xxx liability) and owner draws (3xxx equity) from ever polluting your Schedule C or Schedule E P&L.
4. GC Contractor W-9 / COI Payment Blocker & AIA Billing Blocks subcontractor check runs if W-9 or ACORD Certificate of Insurance is missing or expired. Includes ASC 606 WIP, retainage, and AIA G702/G703 progress billing.
5. GROUP ASC 810 Intercompany Mirror Matrix & Eliminations When Operating LLC pays Insurance for Property Holding LLC, both halves post automatically and eliminate cleanly on consolidated group P&L and Balance Sheets.
6. TAX 1-Click CPA Workpaper Binder & 1099-NEC E-File Ready Hand your CPA a balanced Trial Balance, source-linked receipt binder (.zip), and pre-mapped 1040 Schedule C/E, 1065, or 1120-S tax lines with zero cleanup bill.
Business / Portfolio Stack Layer Legacy Per-Entity Software (3 LLCs / Rentals) Ledgerly Entrepreneur ($29-$79/mo)
3 Operating / Property LLC Ledgers $270 / mo ($90/mo per QBO Plus file) Included (Up to Unlimited Entities)
Real Estate Schedule E, CAM & Lease Reader $100 / mo (Separate property management app) Included (Built-in MACRS, CAM & ALTA)
Contractor Job Costing, W-9 & COI Gate $80 / mo (Separate construction add-on) Included (AIA G702/G703 & COI Blocker)
Total Annual Cost $5,400 / yr ($450/mo) $348 to $948 / yr · Save $4,452 to $5,052/yr
Why CPA & Tax Firms Subscribe · Save $20,400+/Yr & 4.2 Hrs/Return Flat $100/mo + $0.50/Client · Unlimited Staff Seats ($0/Seat)

Replace $1,850+/mo of Per-Seat Portals, OCR Tolls & Client Bookkeeping Chaos

Built for CPA and tax preparation firms handling 1040, 1065, 1120-S, 1120, 1041, and Form 990 engagements. Ledgerly automates client re-engagement, document chasing, local PII-redacted OCR, workpaper binders, tax software auto-populate, and Form 8879 delivery under your firm's white-label brand:

1. OCR $0 Local Self-Learning AI Reader (48/48 Forms) Extracts W-2, 1099-NEC/MISC/INT/DIV/B/R/K, Schedule K-1, 1098, ALTA Closing, Commercial Leases & Bank Statements locally in <80ms with hardware PII redaction.
2. CHASE Zero-Password Magic Links & Prior-Year Radar Builds tailored checklists from last year's return, unpacks client .zip uploads, flags missing prior-year payers/employers, and sends timing-aware SMS & email nudges.
3. BRIDGE 1-Click Workpaper Binder & Tax Auto-Populate Downloads an indexed, tick-marked Workpaper Binder (.zip) and imports directly into Drake, Lacerte, UltraTax CS, ProSeries & CCH Axcess.
4. UPSELL Advisory Engagement Options, 8879 E-Sign & Billing Clients select Good/Better/Best advisory packages on the engagement letter, sign Form 8879, and pay their invoice (ACH, Card, CPAcharge, QuickFee, Zelle) before return release.
5. K-1 Automated Multi-Entity K-1 Cascade & Radar Cascades 1065, 1120-S, and 1041 Schedule K-1 packages directly into individual partner/shareholder 1040 checklists with a 3-day stalled-return radar.
6. $0 SEAT Unlimited Staff Seats & White-Label Subdomain Run on yourfirm.myledgerly.ai with unlimited partners, reviewers, preparers, and seasonal staff at $0 per seat.
CPA Firm Software Layer (10-Person Firm) Legacy Fragmented Stack Ledgerly CPA & Tax Firm ($100/mo)
Practice Portal & Workflow (10 Staff Seats) $1,000 / mo ($100/seat on TaxDome/Canopy) Included ($0 per staff seat)
Tax Document OCR & Workpaper Indexing $450 / mo ($9-$15/return on SurePrep/GruntWorx) Included ($0 Local AI Reader · 48 Forms)
Form 8879 E-Sign, Engagement Letters & Billing $400 / mo (Per-envelope e-sign + billing tools) Included (8879 E-Sign + Payment Gate)
Total Annual Firm Cost $22,200 / yr ($1,850/mo) $1,200 / yr + $0.50/client · Save $20,400+/yr
Why Bookkeepers & CAS Firms Subscribe · Save $30,600+/Yr 25 Client Companies for $199/mo ($7.96/Client) · $0 Per Staff Seat

Run 25 Client Businesses in One Checked Practice Workspace Without Tax Software Clutter

Bookkeepers and CAS practices shouldn't have to pay $90+/month per client on QuickBooks Online or buy expensive tax software just to close monthly books. Ledgerly gives you 25 full client companies for $199/mo with automated statement chasing and 1-click external CPA handoff:

1. 25 CO $7.96/Client/Mo vs. $90+ QuickBooks Online Manage up to 25 operating LLCs, medical practices, rental portfolios, and contractors under one $199/mo subscription with instant 1-click client switching.
2. RADAR Automated Missing Statement & Receipt Chasing Clients upload bank PDFs and receipts via 1-click magic links (no password). Automatically flags missing monthly statements and unsplit Amazon/Home Depot charges.
3. LOCK Month-End Close Autopilot & Period Lock Guard Reconcile bank feeds to the penny and lock closed periods (books_periods) so clients or junior staff can never backdate entries into prior reconciled months.
4. OCR $0 Local Bank PDF, Invoice & Lease Reader Convert PDF bank statements, vendor bills, and commercial leases into balanced journal lines locally in <80ms without paying Dext or Hubdoc per-client fees.
5. SEATS Unlimited Bookkeeping Staff Seats ($0/Seat) Add your entire team of bookkeepers, account managers, and reviewers with role-based permissions and immutable audit logs at $0 per seat.
6. ZIP 1-Click External Tax CPA Handoff Binder At year-end, export a verified, balanced Trial Balance CSV (with Debit == Credit tie-out row), General Ledger, and receipt-indexed Workpaper .zip to any external CPA.
Bookkeeping Practice Stack (25 Clients, 5 Staff) Legacy QBO + Receipt Capture Stack Ledgerly Bookkeeping & CAS ($199/mo)
25 Client Company General Ledgers $2,250 / mo ($90/mo per QBO Plus client) Included ($7.96/client/mo for 25 clients)
Receipt & Bank Statement OCR (Dext / Hubdoc) $500 / mo ($20/client/mo receipt capture) Included ($0 Local AI Statement & Receipt Reader)
Client Portal & 5 Staff Collaborator Seats $250 / mo ($50/seat practice portal) Included ($0 Unlimited Staff Seats)
Total Annual Practice Cost $36,000 / yr ($3,000/mo) $2,388 / yr ($199/mo) · Save $33,612/yr
Why Tax Planners, CPAs & Entrepreneurs Subscribe · Preview Active Replaces Holistiplan + Corvee + Standalone 1040 Calculators

Unified Live-Ledger + Form 1040 Tax Strategy Engine Across All 32 Advisory Capabilities

Standalone tax-planning tools only read last year's static Form 1040 PDF and have zero visibility into your live YTD business books. Ledgerly Tax Planning (Preview) bridges Live Books General Ledger + Multi-Year Form 1040 Returns to model 2025 IRS statutory savings in real time:

1. SYNC Live-Ledger Baseline & Provenance (T-LED-001) Pulls YTD business revenue, expenses, and annualized net profit directly from your Entrepreneur or Bookkeeper ledger with full GL provenance.
2. SCORP S-Corp Reasonable Salary vs. Schedule C (T-LED-002) Models exact W-2 salary vs. shareholder distribution splits, 15.3% SE tax savings, employer payroll taxes, and §199A QBI wage interactions.
3. 401K Solo 401(k), SEP-IRA & Cash Balance (T-LED-003) Enforces 2025 Notice 2024-80 caps ($23,500 employee + 25% employer up to $70,000; $34,750 SECURE 2.0 super catch-up for ages 60–63).
4. 10 OBS 10 Statutory 1040 Observations (T-OBS-001..010) Automatically evaluates marginal bracket headroom, NIIT (§1411), Medicare IRMAA 2-yr lookback cliffs, AMT (§55), QBI phase-outs, and QCDs.
5. ROTH Side-by-Side Scenarios & Multi-Year Roth Solver Compare Baseline vs. Scenario A/B/C side-by-side and solve multi-year Roth conversions to the exact bracket ceiling without crossing IRMAA cliffs.
6. 7216 IRC §7216 Consent, Safe-Harbor 1040-ES & Client Report Built-in 26 CFR §301.7216-3 consent gate, 100%/110% quarterly 1040-ES safe-harbor planner, and white-label client advisory reports.

How Stopping 4 Quiet Leaks Builds $64,928 Net ($66,493 Gross) in 10 Years

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Because saved money is post-tax, cutting $382.50/month ($4,590/year) in forgotten waste equals earning a $6,200+ pre-tax raise every single year.

Common Household Leak Where It Hides Reclaimed / Yr 10-Yr Family Wealth (at 8%)
1. Forgotten Subscriptions [DRN] Duplicate streaming, apps, unused gym memberships +$1,680 / yr $24,337
2. Auto-Pay Bill Creep [$!] Internet, mobile, utility & insurance renewal rate hikes +$1,140 / yr $16,515
3. Unclaimed Tax Deductions Lost mortgage 1098 interest, property tax, HSA, charity & side-1099 expenses +$1,350 / yr $19,557
4. Late Fees & Overdrafts Missed credit card due dates or statement gaps +$420 / yr $6,084
Gross Reclaimed Across 4 Leaks Total annual cash flow recovered before plan fee +$4,590 / yr gross $66,493
Less Household Vault Plan ($9/mo) 12 months × $9/mo subscription cost -$108 / yr -$1,565
Total Net Reclaimed for Your Family (after $9/mo vault cost) +$4,482 / yr net +$64,928 in 10 yrs
Interactive Family Wealth & Leak Calculator
Slide to estimate how much tax-free cash your household or business reclaims over 10 years.
100% Tax-Free Savings
Annual Cash Saved
+$4,470/yr
Pre-Tax Raise Equiv.
+$6,574/yr
10-Yr Wealth (8%)
+$64,752
Zero Middleman Tax · Save 30% Works on iPhone, Android, iPad, Mac & PC

Why we bypass the 30% App Store & Play Store fee to save your family money

Apple and Google take up to 30% of every subscription sold inside their stores - which is why other finance apps charge your family $15 to $20/month and sell your financial data to loan marketers. By delivering Ledgerly directly over the web as an instant Mobile Web App (`/books/m/`), we pass 100% of that 30% savings directly to you: just $9/month (or $79/year - $6.58/mo).

iPhone / iPad (5-Second Install) Open myledgerly.ai/books/m/ in Safari → Tap Share → Tap Add to Home Screen.
Android Phone (5-Second Install) Open myledgerly.ai/books/m/ in Chrome → Tap Menu (⋮) → Tap Add to Home screen.

Your Household & Family Vault Pricing

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Start with a 6-month free trial. Cancel anytime in 1 click.

Household & Family Plan

Household & Family Vault

$9/mo or $79/yr
  • 1 Household + Homes, Cars, Bank & Credit Cards
  • Subscription Drain [DRN] & Surprise Alert [$!] Radar
  • Phone Camera Receipt Snap [CAM] & PDF Statement Reader
  • 2 Family Logins (You + Spouse) & 1-Click CPA Tax Zip