LedgerOne · bill tracker
Every bill, every due date, in one calm view.
Rent, utilities, insurance, daycare, subscriptions, the credit-card minimum. LedgerOne tracks every recurring bill, shows what hits which card, and reminds you before the auto-pay fires.
What a bill in LedgerOne actually does
- Due date + cadence. Monthly, quarterly, annual, or a custom schedule.
- Paid by which card. Useful when your credit-card statement closes mid-month.
- Auto-pay flag. Mark which bills are on auto-pay; LedgerOne reminds you before they fire so a surprise renewal can’t blindside you.
- Variable amounts. Utilities and credit-card minimums change every month — LedgerOne uses the last-12-months range so the forecast stays honest.
- Who owes a share. If a bill is shared, the household ledger remembers the split.
What "tracking" means in practice
Most household money problems aren’t budget-vs-actual — they’re timing. A perfectly affordable month feels chaotic because three subscriptions all renew on the 15th, the electric bill came in 30% high, and the credit-card statement hits before payday. LedgerOne stacks the month as a timeline so the calendar makes sense before the money moves.
Add bills manually in seconds, import them from a CSV, or (optionally, later) link your bank via Plaid and let the recurring-charge detector seed the list for you. You stay in control of which detected charges become tracked bills.
Compared to your bank app + a spreadsheet
Bank apps show charges after they hit. Spreadsheets need maintenance. LedgerOne sits between them: the upcoming view shows what’s due in the next 14 / 30 / 60 days, the settled view reconciles against actual charges, and the household sees the same numbers. No formula maintenance, no copy-paste, no "who pays the wifi?" texts.
Privacy
Manual entry by default — bank linking is optional. Bills, amounts, and who-pays-what are stored encrypted at rest and never sold or used to train ad targeting. Export or delete anytime. See the GLBA financial privacy notice for the full disclosure.