ledge — Your money, understood.

The problem

Plenty of options.
None of them work.

There's no shortage of options. Just a shortage of apps that actually work for how Australians earn, spend, and save.

Incorrectly categorised transactions

A transfer between your own accounts shows up as an expense. Woolies marked as dining out. Most apps guess and move on, leaving your budgets quietly broken.

Graphs, not answers

Pretty charts that show you where money went, but never what to do next. Data without insight is just noise. Most apps stop at the chart.

Merchant names that mean nothing

"SQ* MERCHANT 4829." What is that? Bank statements are full of cryptic codes. No other app figures it out. They just leave the mystery charge sitting in Uncategorised.

Everything lives in a different app

One app for budgeting. Another for net worth. A group chat full of "who owes what." Nothing talks to each other and the full picture never comes together.

Ledge fixes all of it.

How it works

Connect, see, and take control.

Ledge connects via CDR Open Banking — the government-regulated, secure way to share bank data. No passwords stored, ever.

Connect your bank

Tap to connect via your bank's own secure login via CDR Open Banking. Ledge never sees your password.

See everything

Transactions stream in automatically — categorised, enriched, and ready to budget with from day one.

Take control

Set budgets, track goals, monitor subscriptions, and watch your net worth grow over time.

Supported by Australia's leading banks.

Things you might wonder.

Is my bank data safe?

Ledge connects through CDR Open Banking — the Australian government's regulated data-sharing framework. Your bank credentials are never shared with us. Basiq, our accredited data partner, handles the secure connection. You can revoke access at any time.

What is CDR?

CDR stands for Consumer Data Right — an Australian government initiative that gives you the legal right to safely share your financial data with accredited apps like Ledge. Under CDR, banks are required to share your data securely and only with your explicit consent. For more information, visit the official CDR website at cdr.gov.au.

What's the difference between the Free and Pro plans?

Free gives you everything you need to stay on top of your money — live bank connections, budgeting, merchant intelligence, goal tracking, and expense splitting.

Pro unlocks features for those who want to go further — net worth tracking, intelligent subscription management, advanced budget customisation, AI spending insights and more.

Which platforms will Ledge be available on?

Ledge will launch on iOS. Android and a web app are on the roadmap for after launch.

Can I connect investment and superannuation accounts?

Not at launch. Investment and super accounts aren't yet covered by CDR, which means most apps that support them today rely on web scraping, where your login credentials are handed to a third party to log in on your behalf. It works, but it's not as secure or reliable as a properly regulated data connection. We'd rather do it right. Once CDR extends to cover investment and super data, we'll build it in properly. In the meantime, we'll make it as seamless as possible to manually track these account values within Ledge.

When does Ledge launch?

We're targeting July 2026. Waitlist members get notified the moment it's live, enabling them to claim 50% off the annual Pro plan for their first year.

Plenty of options.
None of them work.

AI that works
while you don't.