Wealthra vs Ledger

Your complete financial picture — one app. Wealthra brings together your bank accounts, investments, superannuation, bills, and goals into a single dashboard. Built specifically for Australians — not a US app with a currency toggle. Connect your banks securely via Open Banking (CDR-compliant through Basiq) and watch your transactions flow in automatically. No more manual spreadsheets or logging into five different apps. DASHBOARD & NET WORTH See your full financial position at a glance. Track net worth over time across all accounts, investments, property, and liabilities. View household totals for couples and families. SMART TRANSACTIONS Every transaction is automatically categorised using intelligent rules and AI. Split transactions, add tags, attach receipts, and search across all your accounts instantly. Bulk edit and organise with ease. BUDGETS THAT WORK Create budgets by category with flexible frequencies — weekly, fortnightly, or monthly. See real-time spending progress and get alerts before you overspend. Forecast your cash flow ahead. AUTOMATED RULES Set up rules to automatically categorise, tag, and organise transactions as they arrive. Priority-based rule engine with AI suggestions means less manual work over time. AI FINANCIAL COACH Get personalised insights about your spending patterns. Ask questions, receive budget suggestions, and get smart alerts tailored to your financial behaviour. INVESTMENTS & SUPER Track shares, ETFs, managed funds, crypto, and property in one portfolio view. Monitor superannuation balances, see allocation breakdowns, and track dividend income. BNPL TRACKING Keep on top of Afterpay, Zip, Klarna, and other buy now pay later commitments. See upcoming instalments, total obligations, and how BNPL impacts your budget. BILLS & GOALS Never miss a bill again with upcoming payment tracking. Set savings goals, monitor progress, and plan for the future with scenario modelling. REPORTS & DOCUMENTS Generate spending reports, income summaries, and tax-time breakdowns. Store receipts and documents with OCR search — everything organised when you need it. SECURITY FIRST Bank-level encryption (AES-256). Multi-factor authentication. CDR-compliant read-only bank access — we can never move your money. Your data is never sold. BUILT FOR AUSTRALIA Australian dollar formatting, fortnightly pay cycles, superannuation tracking, and terminology that makes sense. Supports all major Australian banks via Open Banking. Free to start. Powerful when you need it.

Life doesn't follow a monthly schedule. Rent, groceries, subscriptions, payment plans and unexpected expenses rarely line up neatly. Ledger is designed around your pay cycle, helping you see what's coming in, what's due, what's being set aside and what's left before your next payday. Whether you're paid weekly, fortnightly or monthly, Ledger brings your income, expenses, savings and future commitments into one clear plan, without the complexity of a traditional monthly budget. Plan around your pay cycle • Build your plan around weekly, fortnightly or monthly pay cycles • Add salary, hourly, casual and variable income • Set custom base, penalty, overtime, weekend, evening, public holiday or fixed hourly rates • Log hours against each rate and see your estimated gross pay update • Manage multiple income streams in one place • Link taxable incoming adjustments, such as bonuses, to the income stream they were paid with • View Australian tax estimates for each taxable income stream and taxable incoming adjustment Estimated tax only. Not financial or tax advice. Stay ahead of expenses • Track recurring and one-off expenses • See bills, subscriptions and payment plans in the pay cycle they belong to • Mark expenses as paid or defer them when plans change • Set reminders for upcoming payments and choose when Ledger notifies you • Review daily reminders in Inbox and open payment details directly • Keep future payments visible before they catch you off guard Organise what you're setting aside • Set aside money in custom allocation pockets • Create Savings pockets with optional target amounts and dates • Plan regular contributions, add extra savings and track withdrawals or adjustments • Adjust a planned contribution for one pay cycle without changing the regular plan • Optionally track spending within each allocation while keeping the focus on your wider plan • See how expenses, allocations and savings affect what you'll have left Designed for clarity Ledger is a pay-cycle planning space for understanding what's coming in, what's due, what's being set aside and what remains before payday. There is no need to connect your bank or turn every purchase into a transaction to categorise. Ledger keeps the focus on the bigger picture, so you can plan ahead without adding more financial noise. Terms of Use: https://useledger.co/terms/ Privacy Policy: https://useledger.co/privacy/