Ledra | Your pay, sorted before you spend it

Your pay,sorted beforeyou spend it.

Ledra splits every paycheck the day it lands. Try it: set your pay, then drag a divider and watch the autopilot re-sort.

Monthly take-home pay$4,800

$1,00048 coins, 1 coin = $100$12,000

The jars, liveDrag a divider or throw a coin

Bills: $2,304; 48%
Savings: $960; 20%
Invest: $672; 14%
Spend: $864; 18%

Rent reserved1,450.00■
Round-ups swept+38.60▲
Streaming plan cancelled-15.49▼
Index fund buy+400.00▲
Phone bill renegotiated-9.00▼
Emergency fund topped up+250.00▲
Late fee avoided-35.00▼
Electricity paid on the 3rd92.14■
Gym membership paused-29.00▼

What it does all month

Hover a photo for the print proof

A person on a bench looking across the water at a city skyline

Bills

Rent leaves on the 1st. You never see it go.

The day your pay lands, Ledra sets aside every fixed bill it has seen in the last ninety days, then pays each one on its due date. What you see in your spending balance is money that is actually free. If a bill changes, Ledra flags it before it pays, not after. You can see each reserved bill as its own line, move a due date, or pull money back out with one tap. Nothing is locked away from you.

Tall office towers seen from street level

Investing

The same amount, the same day, every month.

Pick a number and a fund. Ledra buys on the 2nd, after bills are covered, and skips the month if your emergency fund dips below its floor.

Timing

Paid early, never late

Bills go out two days before they are due. Late fees stop being a thing.

Records

Every move, written down

Each transfer gets a line in your ledger with the rule that caused it.

A man sitting at a table inside a bright cafe

Spending

Coffee money is coffee money

Your Spend jar refills weekly, so a good Saturday never eats next week.

Hands holding a phone above a laptop on a wooden desk

Control

Big moves wait for you

Anything over $500 asks first. One tap to approve, one to skip.

September, sample month

The receipt for your autopilot

At the end of each month Ledra prints what it moved, what it paid, what it cancelled and what it kept. Scroll to run the printer.

LEDRA

AUTOPILOT STATEMENT / SAMPLE

09/01Pay received4,800.00
09/01Rent reserved-1,450.00
09/01To emergency fund-600.00
09/02Index fund, scheduled-400.00
09/03Electricity, paid early-92.14
09/08Duplicate streaming plancancelled
09/12Phone plan, new rate-9.00 / mo
09/19Round-ups swept-38.60
09/26Card bill, paid in full-611.35

KEPT, NOT SPENT1,488.60

EVERY LINE LINKS TO THE RULE THAT MADE IT

Rates and small print

Concept pricing, shown as an example

Ledra Basic

Four jars, bill reserving and round-ups. Two custom rules. One bank account connected. No card needed to start.

FreeOpen a ledger

Ledra Full Service

Unlimited rules, scheduled investing, bill renegotiation and subscription cancelling done for you. Up to five accounts. Monthly printed receipt.

$6 / monthOpen a ledger

Households

Two people, shared bills jar, separate Spend jars. Each sees only what they should. Same price as Full Service plus $3.

$9 / monthOpen a ledger

Switching banks?

Ledra connects to the account you already have. Your salary keeps landing where it always did.

Can I pull money out?

Yes. Every jar is yours at any time. Moving money back takes one tap and is logged like everything else.

What if a bill is wrong?

If an amount is more than 10% off its usual size, Ledra holds it and asks you first.

Leaving is easy

Cancel from settings. Rules stop the same day and your ledger exports as a CSV.