Ledgira
Upload bank or card statements and let your own AI key extract every line and auto-reconcile the balance.
The problem it solves
Every bookkeeper and small-business owner knows the grind: a PDF or photo of a bank or credit-card statement lands in your inbox, and someone has to retype every line, date, description, amount, debit or credit, into a spreadsheet or accounting tool. Then you cross your fingers that the opening balance plus everything you typed actually equals the closing balance. Black-box SaaS statement converters solve the typing, but they own your financial documents, charge per-page subscriptions, and ask you to trust a third party with your bank data.
- Manually retyping every transaction line from a statement
- No easy way to confirm the numbers actually reconcile
- Trusting a third party with your bank data
What you get
Line-item AI extraction
Your own vision-capable LLM reads every transaction: date, description, amount, running balance, and debit/credit direction.
Automatic reconciliation
Opening balance plus all transactions is checked against the closing balance, with the exact delta shown when it's off.
Running-balance consistency check
Flags any row where the running balance doesn't progress correctly.
Signed-cents money engine
Handles US and EU number formats, currency symbols, parenthetical negatives, and mixed date formats deterministically.
Multi-format export
Export clean CSV (RFC-4180), QIF for Quicken/accounting import, or JSON.
Three LLM providers (BYO key)
Switch between OpenAI, Anthropic, or a local Ollama model any time in Settings.
Installable mobile app (PWA)
Add it to a phone or tablet home screen straight from the browser — a full-screen app served from your own server, with no app store involved. Business data is never cached offline, so what you see is always live.
Own It 2.0 — API, 2FA, backups, dark mode
Ledgira 2.0 adds the 2.0 owner layer. Upgrade by replacing the files — the database migrates itself, and it is still the same one-time purchase.
- REST API with an OpenAPI spec and signed webhooks
- Two-factor sign-in (TOTP)
- Email notifications through your own SMTP
- CSV import with a mandatory dry run
- One-click backups
- Dark mode
Own It 3.0 — works for your AI, not just for you
Categorisation learns from you: correct a payee once and the rule applies to future statements — but a rule never overwrites a category a person typed, and the longest match wins, so AMAZON and AMAZON WEB SERVICES stay different businesses. Duplicates are flagged across statements, where re-uploaded months actually collide. Agents read the same ledger over MCP under the same roles.
- Roles with email invitations and a last-admin guard
- Append-only audit trail across browser, API and agent
- Printable PDFs
- Your logo and colours throughout
- Scheduled backups with a guided dry-run restore
- Optional single sign-on (OIDC)
Pricing — one-time, yours forever
- ✔ Full source included — PHP you can read and change
- ✔ No subscription. One payment, yours forever
- ✔ It never phones home
- ✔ Your data stays on your server
No reviews yet — so here is what we offer instead. Every competitor price on our comparison pages is source-linked and dated, and when a vendor’s price won’t load we say so rather than guess. See the sources for yourself →
Screenshots
Honest limitations
- No live bank-feed / Open Banking connection — parses statement files you already have
- Single-tenant: one admin account per installation
- No OCR built in — relies entirely on the LLM's vision capability
- Scanned PDFs (images embedded in a PDF) may have lower accuracy than native text-layer PDFs
- Not accounting software and not a ledger of record; not financial, tax, or legal advice
- Extraction/reconciliation accuracy is not guaranteed for any specific format, institution, or jurisdiction
Two-minute web installer, PHP 8+ with MySQL or SQLite; demo mode ships pre-baked sample statement images.
Covered in these guides
DocuClipper is $20/month for 60 pages. MoneyThumb is $24.95 for five statements. Both work well. Both require uploading your bank statements to somebody else — a decision most firms make without noticing they made it.
Frequently asked questions
Is my API key safe?
Your key is stored in your database on your own server and is transmitted only in the outbound HTTPS request you trigger to your chosen LLM provider. It is never logged, echoed, or passed through any Ledgira infrastructure.
Will this run on shared hosting?
Yes. Ledgira requires PHP 8+ with pdo, curl, and fileinfo — extensions present on virtually all cPanel/Plesk hosts. Installation takes about two minutes through the web installer.
How does it handle credit cards vs. bank accounts?
Both. For a bank account, deposits are credits and withdrawals/purchases/fees are debits. For a credit card, charges raise the balance owed and payments/refunds lower it, the standard liability treatment, so reconciliation works the same way for both.
What about PDFs?
Image formats (PNG, JPEG, WebP) work reliably with all three providers. PDFs are supported natively by Anthropic; OpenAI and Ollama treat PDFs as best-effort, so convert to PNG first for best results elsewhere.
What if OpenAI changes its pricing or API?
You can switch providers in Settings in under a minute. OpenAI, Anthropic, and Ollama are all supported, including running Ollama locally with no ongoing API cost.