FinanceLive
LedgerLamp
A private ledger for people who manage their own credit and bills. Built on deterministic rules, not black-box recommendations.
The problem
Most people don't know their own credit profile.
Not because the information doesn't exist — it does, scattered across a dozen billing emails, bank portals, and card dashboards. But no single place shows you utilization across all cards simultaneously, which statement closes when, whether autopay is actually configured correctly, or what the delta is between your current balance and what you'd need to pay to hit a target utilization before the statement cuts.
The tools that exist either require connecting directly to your bank accounts — a trust decision most people reasonably decline — or they're budgeting apps that don't think in terms of credit health. There's nothing in between that's private, precise, and actually yours.
The solution
A ledger, not a dashboard.
LedgerLamp is a household-scoped tracking tool for credit accounts and recurring bills. You enter what you know. When a billing email arrives, you paste it in — or snap a photo of a paper bill — and the system pulls the structured data for your review before anything is saved. Nothing is assumed. Nothing is inferred without being flagged as inferred.
Deterministic rules surface what needs attention: a statement closing in three days with high utilization, an autopay status marked unknown, a promo APR expiring next month. Over time, the pattern of your own data builds a picture that most people have never seen clearly — and that picture is the foundation for building better credit habits deliberately rather than accidentally.
No bank connections. Your data lives on your server.
Status
Live in early access.
The edges are still being shaped. Live and in daily use: authentication, the household model, account and bill CRUD, all three intake paths (paste, phone-snap with on-device OCR, and bulk-paste), the deterministic insight engine, dated reminders that surface on the dashboard before a bill is due, fixed-term obligations that track a buy-now-pay-later plan or car loan down to its final payment and record what it bought, trend views over the snapshot history with a plain-English AI summary, and AI extraction with a deterministic auditor verifying every field against the source before you approve it — all backed by 180 tests and an extraction eval. On the roadmap: EML, IMAP and webhook intake, sharper rules, and more billing-email shapes recognised out of the box.