Personal, family, and company money
One true story of your money.
Your bank app, your spreadsheet, your card statement and your split app each tell a different version of the same month. stratto keeps the one that adds up.
August
- Salary+ 4,200.00
- Groceries− 86.40
- Dinner in euros72.10
- Rent (scheduled)1,800.00
- Groceries budget500.00 left
Same month, two stories
Same month, two stories
One grocery run, two dates. August knows you spent it. September knows the money left.
August
When it happened
12 August
The money is spent. Your August total already knows, even though the account has not moved.
Groceries
12 August− 86.40
When it happened
− 86.40
Whose money is this?
The engine underneath is the same. What changes is who can see what, and which questions the reports have to answer.
You and the people you live with
Money you spend
One person or a whole house. Shared accounts, private accounts, and a supermarket run that gets split once instead of counted twice.
Your company
Money the business moves
Departments, vendors, unpaid bills, and a month that closes against the bank file instead of against a spreadsheet.
Straight answer
stratto does not log in to your bank.
That is a choice, not a missing feature. Nothing here holds your money or reads your accounts while you sleep. You post what matters, and on Team you upload the bank or card file and close the month against it.
01
You keep the books. The ledger keeps them honest.
02
Card details are handled by Stripe, and only for a stratto subscription.
03
Personal, family, and company money never share a workspace.
Three answers that never contradict each other
01
What you actually earned and spent
Not what happened to clear the bank this week. A card purchase counts in the month you made it, so the month you are reading is the month you lived.
02
Whether you can pay what is coming due
Today’s balances, the card bill on the 12th, rent on the 5th, and everything already scheduled — drawn as one line thirty, sixty, and ninety days out.
03
Who owes whom
Split the supermarket run and the bill is still recorded once. The share becomes a debt between you, not a second expense making the month look worse than it was.
The rest of it
Full product →Other currencies
The receipt keeps its own currency. Your monthly total says what it cost you at home.
Tags
Label a trip or a project without inventing categories you will never use again.
Recurring bills
Rent and payroll type themselves into every month ahead.
Budgets
A cap per category, tag, or department that counts the card purchase in the month you made it.
Import
Bring years of spreadsheet history in, then close the month against the statement file.
Free, Plus, and Team
Start on Free. Upgrade when you need another account, a household or company workspace, or more than fifty transactions. Monthly prices shown here must match Stripe.
Free
$0 forever
One personal ledger to try the product.
- 1 owned workspace (Personal only)
- 1 account: checking, savings, or cash
- 50 lifetime transactions
- Owner only — no invites
Most households
Plus
$9 / month
Family ledgers, cards, FX, and sharing.
- 3 owned workspaces (Personal and Family)
- Unlimited accounts and transactions
- Credit cards, FX, tags, groups, budgets
- Up to 6 members
Team
$19 / month
Company mode, departments, and analytics.
- Unlimited workspaces including Company
- Unlimited members
- Departments, analytics, and stakeholders
- CSV import, statements, and reconciliation
Free Plus Team
Open a workspace.
Register on the ledger app. This site never sees your books.