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Cash Flow, Last 6 Months
Spending by Category
Recent Entries View all →
| Date | Description | Category | Account | Amount |
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Transactions
| Date | Description | Category | Account | Amount |
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Monthly Budgets
Assign every dollar a job. Enter your full monthly income below so Ledgerline can show you exactly what's left to assign — and what's left over once the month's spending is in.
Tithing
Set aside a percentage of your income for tithing before you budget the rest. The default is 10%, the traditional tithe.
Budget Calculator
The 50/30/20 Rule
Enter your monthly take-home pay to see a recommended split between needs, wants, and savings — then compare it to what you're actually spending this month.
Recommended Allocation
Auto-Suggest Envelope Budgets
Using the income and split above, Ledgerline can propose a monthly amount for each of your existing categories and save them as envelopes in one step. Existing envelopes will be updated; you can always fine-tune afterward.
Bill Calendar
Month
Upcoming Bills
Recurring & Subscriptions
Detected Recurring Charges
Savings Goals
Retirement Savings
Retirement Accounts
| Account | Type | Balance | Monthly Contribution |
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Retirement Projection Calculator
Projected Growth
Mortgage & Home Savings
Payment Calculator
Maximize Your Savings
The fastest lever for cutting total interest is putting extra money toward principal. See what happens if you add a bit more to your payment each month, or switch to biweekly payments.
Payoff Comparison
Tips for This Loan
Tax Center
Income Tax Estimator — Tax Year 2026
This is a simplified estimate for planning purposes only — it doesn't account for tax credits, self-employment income, capital gains, multiple income sources, or state-specific rules. It isn't tax advice; check with a CPA or tax professional for your actual filing.
Where Your Income Goes
Federal Bracket Breakdown
| Bracket | Rate | Income Taxed | Tax Owed |
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Ways to Lower Your Tax Bill
Debt Payoff
Your Debts
| Debt | Type | Balance | APR | Min Payment |
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Payoff Strategy Calculator
Put extra money toward one debt at a time while paying the minimum on the rest. As each debt is wiped out, its minimum payment rolls into the next one — a snowball that grows every month.
Total Balance Over Time
Payoff Order
Tips for Getting Out of Debt Faster
Loan Calculator
Loan Details
Be a Good Steward: Pay It Off Faster
Every extra dollar toward principal reduces the interest you'll ever pay. See the impact before you commit to it.
Balance Over Time
Yearly Breakdown
| Year | Interest Paid | Principal Paid | Balance |
|---|
Full Payment Schedule
| # | Date | Payment | Interest | Principal | Extra | Balance |
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Principles for Borrowing Wisely
Accounts
| Account | Type | Balance |
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Reports
Net Worth Trend
Income vs Expense
Spending Breakdown, All Time
Settings
Account Security
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Data
Legal & Terms
Ledgerline's terms of use, software license, and financial disclaimer.