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
• Handing bank statements to a converter service you cannot inspect

Every feature

• QuickBooks & Xero export presets. Reconciled statements download in the exact CSV shapes their bank importers expect — dates, signs and columns already right. The default export stays byte-identical, so existing scripts keep working.
• 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), QuickBooks Web Connect (QBO), OFX for other accounting packages, QIF, or JSON. Each transaction carries a stable id in QBO and OFX, so importing the same month twice adds nothing.
• 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 not stored offline on the device; what you see is read live.
• A year of statements at once. Upload up to 24 statements in one go and read them in batches of five.
• Excel, ready to hand on. Download any statement as an Excel workbook, amounts as numbers.
• Categories from day one. The model can suggest a category for each line from the ones you already use. Your rules and your own choices always win, and accepting its suggestions teaches the rules.
• Supplier statements. Check a supplier's statement against your own ledger: see which invoices agree, which amounts differ, and what either side is missing.
• Long statements, read to the end. A statement with hundreds of transactions is read over several model replies, each continuing after the last line read, and the running-balance check shows if a line went missing at a join. Each extra reply is a call at your own provider's cost.
• Your bank's CSV, as it comes. Import your bank's CSV export: columns are matched by their header, with one amount column or separate money-in and money-out columns, and dates with or without the time. The dry run shows exactly which rows will go in and which will not, and why, before anything is written.
• Updates from inside the app. The Updates page installs a new release with your license key: Ownware's signature is checked, a backup is taken first, and the app puts the previous version back by itself if the update is interrupted or the database step or start-up check of the new version fails. It never checks by itself.
• Backups by themselves. Automatic backups, an optional copy to S3-compatible storage you own, and a weekly check that the latest backup reads back. The Health page names anything that needs attention.
• Own It 4.0.1 — fixes and an up-to-date manual. For Ledgira, 4.0.1 fixes an installer that had lost its styling, a rollback that a page opened during an update could stop and a command-line update that ended in an error after putting the previous version back. Its manual, FAQ and QUICKSTART now cover everything 4.0 added, including two Nginx rules that keep the data folder private. Your license covers it: press Check for updates on the Updates page, or download it from your order page.
• Own It 4.0.2 — the installer opens on every host. For Ledgira, 4.0.2 fixes a fresh install on an Apache host: the one-page setup at /install/ looped back to itself and never opened, and now it opens. Your license covers it: press Check for updates on the Updates page, or download it from your order page.

Release notes in full

• Own It 4.1: client installations and your other tools. For Ledgira, 4.1 makes two changes that every app gets. An Extended license bought from October 4, 2026 covers up to ten client installations, one per client project: hand each one over to the client or host it for them, with the client's logo and colors from the app's branding settings. The API reference now shows how to connect Ledgira to Zapier, Make or n8n, using its own webhooks and API key. Your license covers the update: press Check for updates on the Updates page, or download it from your order page.
• Own It 4.0: it updates and backs itself up. For Ledgira, 4.0 means updates from inside the app: the Updates page checks for a new release with your license key, verifies Ownware's signature, takes a backup and puts the previous version back by itself if the update is interrupted or the database step or start-up check of the new version fails. A new install can start with a sample business and remove it in one click; backups run by themselves, with an optional offsite copy and a weekly check that the latest one reads back; and the Health page says whether the install is looking after itself.
• Own It 3.3: every line, however it arrives. 3.3 takes statements as they come. A statement with hundreds of transactions is read to the end over several model replies, each at your own provider's cost, with the running-balance check watching every join. Your bank's CSV export imports as it is, dates with or without the time, after a dry run that shows which rows will go in and why any will not.
• Own It 3.2: a year of statements, categorized and checked. 3.2 is built for the catch-up. Upload a year of statements at once, let your own model suggest a category for each line from the ones you already use (your rules and your own choices always win), and hand the result on as an Excel workbook. A supplier's statement can be checked against your own ledger too, showing which invoices agree and what either side is missing.
• Own It 3.1: it writes to the people you serve. The 3.1 wave gave the catalog a way to reach the other side of the transaction: counterparty email through your own SMTP server, calendar feeds your own calendar subscribes to, attachments filed where the paperwork belongs, and export presets other people's software imports. Each outbound feature ships switched off and runs on your own credentials; a failed send is recorded, and the action that triggered it stands. What this app gained is listed at the top of this section.
• Own It 3.0: works for your AI, not just for you. Categorization 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.
• Own It 2.0: API, 2FA, backups, dark mode. The owner layer every Ownware app carries. Upgrade by replacing the files — the database migrates itself, and it is still the same one-time purchase.