For the self-employed household
Your income is lumpy.
Your rent isn't.
HRC Ledger watches the money you already have coming in and going out, then tells you what you should spend this week, what to hold back for taxes, and what you can safely pay yourself. It arrives on a Sunday. You don't have to open anything.
Read-only connection. We never move your money.
Spend plan for Sunday
$88.40
$412.00 this week
Taxes reserved through Q3. Rent is covered on the 1st.
Ask it anything
Every number it says is one it computed — never one it made up.
Text it a question and it answers from your actual accounts. The arithmetic is done by deterministic software; the language model only puts it into a sentence. If a figure can't be traced back to a real calculation, it doesn't get said.
It knows what's already committed
Rent, the card minimum, the insurance that renews in March. It reads them out of your transaction history instead of asking you to type them in.
It reserves tax off the top
Every deposit gets split before you see a spendable number, so the quarterly estimate isn't a surprise in September. Estimates are illustrative — it isn't a tax service.
It sees the business and the household
Two books, kept separate, so business income never quietly inflates what the family thinks it can spend — and commingling gets flagged rather than absorbed.
It comes to you
A plan on Sunday, a heads-up when a shortfall is still weeks away. No streaks, no badges, no nudges to come back and look at a chart.
What we will and won't do
Advisory only. That's a guarantee, not a limitation.
No payments, transfers, or trades — ever. We hold no payment credentials and need none. Every recommendation is yours to act on, or not.
Your banking password never reaches us. We ask only for transactions and balances — not the access that would let anyone move a dollar.
We make money from subscriptions. Your financial data isn't sold or rented, and no model provider is permitted to train on it.