Nothing typed twice
The invoice sent in Bill, the receipt approved in Spend and the payment in the bank arrive as entries. You check them; you do not enter them again.
Centilio LedgerLayered record
CENTILIO LEDGER / MONEY
Ledger: accounting software that keeps the books before you open them.
Ledger keeps the books from what Bill, Spend and your bank already know.
The full picture
Ledger keeps the books from what Bill, Spend and your bank already know. Invoices, payments and expenses arrive categorised; you review one queue, your accountant signs off, and the returns are ready before the date. Priced per business, not per seat: free to start, then $19 a month for the whole business.
not shipped · wave 3per business, not per seatinvoice → entry → sign-offCelia prepares, a person approves
Product design preview · Ledger has not shipped. All features, screens and prices are proposals.
LedgerDesigned around your work
Interactive sampleA traceable entry · October 2026
Money in$1,840Bluewater Dental · card payment
- Entry date
- 28 Oct
- Account
- Sales · fit-out
- Source
- Bill · INV-2026-207
- Review state
- Matched
No posting or bank connection
Fictional workspace · Ledger has not shippedNo live account connected
Ledger has not shipped yet.
Everything on these pages — the screens, the features, the prices — is Centilio Ledger as designed. Ledger has not shipped: it sits in the third wave of Centilio tools, and there is no app, no beta and no launch date yet. We would rather set out the whole design and say so plainly than publish a thin page and let you guess. Join the waitlist and you will hear first; if you need an invoice today, the free invoice generator works now, with no sign-up.
Try it · the console as designed, sample data
Match a payment. Fix a category. Close October.
This is the Ledger screen as designed, running on a fictional business, Fernhill Workshop: bank lines waiting for a match, an expense Celia is unsure about, and October one review away from closed. The data is invented and the product behind it is not built yet.
- Connect. Bill, Spend and your bank give Ledger what happened: invoices, payments, expenses and every bank line.
- Review. Celia matches and categorises what it can and puts the rest in one queue, each item with its reason.
- Close. When the queue is empty and the bank agrees with the books, you close the month and it locks.
- Hand over. Your accountant opens the same books with a role of their own, checks the trail and signs off; the tax summary is built from the same lines.
LedgerFernhill Workshop
Interactive sampleA traceable entry · October 2026
Money in$1,840Bluewater Dental · card payment
- Entry date
- 28 Oct
- Account
- Sales · fit-out
- Source
- Bill · INV-2026-207
- Review state
- Matched
No posting or bank connection
Pause for the detail that matters.Awaiting your review
Local demonstration. Changes reset when you leave this page.
Fictional workspace · Ledger has not shippedNo live account connected
What changes
Less typing. A month that closes. Books your accountant accepts.
Most bookkeeping software starts with an empty register and asks you to type in what already happened. Ledger is designed to start from the invoice, the receipt and the bank line, so the job left for you is a review.
The month closes on time
One review queue, a bank reconciliation that explains its own difference, and a close button that locks the month once the numbers agree.
Your accountant signs off instead of starting over
They open the same books with a role of their own, see who did what in the trail, and take the year-end pack in the files accountants already use.
Celia in Ledger
Celia prepares. You decide.
Celia categorises, reconciles and flags what looks wrong, then drafts the month-end summary for you and the working papers for your accountant.
For each new line, Celia proposes an account from your past entries and your rules, and says how sure it is. It matches payments to invoices, including the single transfer that settles three of them, and explains any difference it cannot clear. When something looks wrong — a supplier booked to a new account, a tax code that does not fit, a receipt that never arrived — it says so in one sentence, with the entry linked.
It never closes a month, never changes a closed period, never files a return and never moves money. It prepares; a person approves; the audit trail records which entries Celia proposed and who accepted them. At month end it drafts a summary in plain words, and at year end the working papers, both for a person to edit before anyone else reads them.
- Proposes an account for every new line, with how sure it is
- Matches payments to invoices, one to one or one to many
- Flags what looks wrong before the month closes
- Drafts the month-end summary and the year-end working papers
LedgerDesigned around your work
Interactive sampleA traceable entry · October 2026
Money in$1,840Bluewater Dental · card payment
- Entry date
- 28 Oct
- Account
- Sales · fit-out
- Source
- Bill · INV-2026-207
- Review state
- Matched
No posting or bank connection
Fictional workspace · Ledger has not shippedNo live account connected
Features
Books, review, tax, reports, and a seat for your adviser.
23 features, each designed and placed on a proposed plan. None of them is running yet.
Chapter 01
Books built from what already happened.
- Invoices and payments from Bill. Every invoice, credit note and payment recorded in Bill arrives as an entry with the customer, the tax and the date already on it. Free
- Expenses from Spend. Approved expenses and reimbursements arrive categorised, with the receipt attached and the approver named. Free
- Bank feeds and statement upload. Connect a bank where a feed is available, or upload a statement; every line is matched to an entry or put in the review queue. Free
- Rules that remember. Tell Ledger once that a supplier is postage and its next lines follow; every rule can be seen, edited and switched off. Pro
- A chart of accounts to start with. A standard chart for your country, editable, with opening balances entered once from your last year-end. Free
LedgerDesigned around your work
Interactive sampleA traceable entry · October 2026
Money in$1,840Bluewater Dental · card payment
- Entry date
- 28 Oct
- Account
- Sales · fit-out
- Source
- Bill · INV-2026-207
- Review state
- Matched
No posting or bank connection
Fictional workspace · Ledger has not shippedNo live account connected
Chapter 02
One queue to review, then the month closes.
- The review queue. One list of what needs a person: unmatched bank lines, missing receipts, and anything Celia is unsure about. Free
- Bank reconciliation. Statement balance and book balance side by side, with the difference explained line by line until it is zero. Free
- Multi-currency. Invoices, bills and bank accounts in other currencies, with exchange differences calculated and posted for you. Pro
- Close and lock a month. Close a period after review; changing a closed month needs a reason on the record. Pro
- Approval for closed months. A change to a closed month waits for a named approver, and the before and after are both kept. Business
LedgerDesigned around your work
Interactive sampleOne review queue · October 2026
Money in$1,840Bluewater Dental · card payment
Bill · INV-2026-207Matched
Bank movementSales · fit-out
Supporting record
The amount and source are linked in this fictional entry. Review before posting.
Fictional workspace · Ledger has not shippedNo live account connected
Chapter 03
Tax kept by the line, not worked out at the end.
- Tax codes on every line. Each entry carries its tax code from Bill or Spend, so a return is built from lines rather than totals. Free
- Tax by rate and period. Sales tax or VAT collected and paid, summarised by rate and period, ready for whoever files. Pro
- Year-end pack. Trial balance, ledgers and schedules for your accountant, in the spreadsheet files they ask for. Business
LedgerDesigned around your work
Interactive sampleA traceable entry · October 2026
Money in$1,840Bluewater Dental · card payment
- Entry date
- 28 Oct
- Account
- Sales · fit-out
- Source
- Bill · INV-2026-207
- Review state
- Matched
No posting or bank connection
Fictional workspace · Ledger has not shippedNo live account connected
Chapter 04
Cash, profit and what you are owed, on one screen.
- The owner’s screen. Cash in the bank, profit this month and what customers owe, on one screen with last month beside it. Free
- Standard reports. Profit and loss, balance sheet, cash flow, trial balance and general ledger, for any period you choose. Free
- Aged receivables and payables. Who owes you, whom you owe, and for how long, each line linked to the invoice or bill behind it. Pro
- Month-end summary. A plain-language note on the month: what moved, why, and what to watch next. Pro
- Several entities. Each company keeps its own books, reported apart or together, under one bill. Business
LedgerDesigned around your work
Interactive sampleA traceable entry · October 2026
Money in$1,840Bluewater Dental · card payment
- Entry date
- 28 Oct
- Account
- Sales · fit-out
- Source
- Bill · INV-2026-207
- Review state
- Matched
No posting or bank connection
Fictional workspace · Ledger has not shippedNo live account connected
Chapter 05
Your accountant, in the books, with a role of their own.
- Accountant role. Your accountant gets a login and a role that sees the books and the trail, not your other tools, and never counts against your plan. Free
- Audit trail on every entry. Who created, changed, approved or reversed each entry, when, and from which tool. Free
- Exports accountants expect. Ledgers, trial balance and reports exported to spreadsheet and CSV files. Free
- Working papers. Reconciliations and schedules drafted for your accountant to review, with the evidence attached. Business
- Audit trail export and API. The full trail exported for an auditor, and an API (proposed) for the tools around your books. Business
LedgerDesigned around your work
Interactive sampleA traceable entry · October 2026
Money in$1,840Bluewater Dental · card payment
- Entry date
- 28 Oct
- Account
- Sales · fit-out
- Source
- Bill · INV-2026-207
- Review state
- Matched
No posting or bank connection
Fictional workspace · Ledger has not shippedNo live account connected
Who it is for
For businesses that outgrew a spreadsheet.
Businesses that outgrew a spreadsheet and do not want to become accountants. Ledger is built for the owner first and the accountant second, in that order.
If you run a finance team consolidating many companies across countries, Ledger is not designed for you yet. Tell us anyway; it helps us decide what comes after launch.
Owners who keep their own books
You know the business, not double entry. Ledger asks plain questions — is this line postage or stock? — and keeps the debits and credits to itself.
The person who runs the office
One queue each week instead of a pile of statements, missing receipts chased for you, and a month that closes on a known day.
Your accountant
A login and a role of their own, the full trail, and the year-end pack in the files they ask for. They review and adjust; they do not rebuild the year from a box of receipts.
Businesses with more than one company
Each entity keeps its own books, reported apart or together, under one bill and one login.
Works with Centilio
Ledger books what the other tools already know.
Every Centilio tool shares one record and one login. Two of the tools around Ledger run today; the others arrive in their own waves.
Outside tools come later, and they will be listed only when they exist. Banks are designed to connect through feeds where a bank offers one, and through statement upload everywhere.
Bill · next wave
Invoices, credit notes and payments arrive as entries, with the customer and the tax on them.
Spend · same wave
Approved expenses and reimbursements arrive categorised, with the receipt attached.
Pay · same wave
Each approved payroll run posts salaries, deductions and employer costs to the right accounts.
Insight · same wave
Cash, profit and receivables from Ledger beside sales and projects from the other tools.
Drive · live
Statements, receipts and year-end files filed beside the entries they support.
Account · live
One login, and the roles that decide who may post, approve, close or only read.
One business · shared context
Ledger
The work stays connected.
The invoice
Invoices and payments provide the source of an entry.
Proposed connections. Ledger is not available yet.
Trust
Your books, under your roles, with a trail.
The books are where a business writes down what it earns, owes and pays its people. Ledger is designed around what it must never do with them.
We claim no certification for Ledger, because a product that is not built cannot hold one. When there is something true and dated to say, the security page will say it.
- Encrypted in transit and at rest, inside your organisation’s space
- Roles from Account: owner, bookkeeper, approver, accountant, read-only
- An audit trail on every entry, and closed months locked
- Nothing of yours used to train anything
Care in the details
Shared work.
Clear boundaries.
Access follows your role
A person approves the next step
A record of what changed
Design intentions, not audited certifications.
Pricing · per business
One price for the business, your accountant included.
Proposed, in US dollars; yearly billing saves about 20%. Nothing is charged until Ledger ships.
Free with one bank account and everyone in the business, then Pro at $19 a month and Business at $49. Full pricing and comparison →
US $0
per business / month
US $0 for one month
For a business keeping its own books
- Everyone in the business, plus your accountant
- One bank account and one entity
- Entries from Bill and Spend
- Review queue and bank reconciliation
- Standard reports and the owner’s screen
- Audit trail on every entry
US $19
per business / month
US $19 for one month
For a business that wants every month closed on time
- Everything in Free
- Unlimited bank accounts
- Celia categorises, matches and flags
- Tax by rate, and GST returns prepared in India
- Multi-currency
- Month-end summary and period lock
US $49
per business / month
US $49 for one month
For a business with entities, approvals and an auditor
- Everything in Pro
- Several entities, reported apart or together
- Named approval for closed months
- Working papers and year-end pack
- Audit trail export
- API (proposed)
Prices are proposals, excluding taxes. Annual totals use the rounded monthly equivalents × 12. No exact 20% discount or available checkout is promised.
Questions
Questions about Ledger, answered plainly.
Can I use Ledger today?
No. Ledger has not shipped: there is no app, no beta and no launch date yet. These pages are the product as designed, and the screen above runs on invented data. Join the waitlist and you will hear first.
Can your accountant use Ledger?
Yes, that is the design. Your accountant gets a login with a role of their own that sees the books and the audit trail without touching your other tools, and it never counts against your plan.
Will Ledger replace the tool I keep my books in now?
For many small businesses it is designed to. For others it will work alongside, with exports in the formats accountants expect, until a move makes sense. The compare pages set out where each option fits.
Do I need Bill and Spend to use Ledger?
No. Ledger is designed to work from bank feeds and statement uploads on its own. Bill and Spend make it better, because invoices and expenses then arrive already described instead of as bare bank lines.
How is Celia different from bank rules?
A rule matches text; Celia also weighs the amount, the customer, the open invoices and what you did last time, and tells you how sure it is. It never closes a month, files a return or moves money. A person approves, and the trail shows who.
Does Ledger file tax returns?
No. Ledger is designed to keep sales tax or VAT by the line and summarise it by rate and period, so whoever files has the figures ready. Standard reports are designed for every country, and prepared returns start with India.
When is Ledger available?
Ledger is in the third wave of Centilio tools, after Bill. There is no date yet, and we will not publish one until we can keep it.
What will it cost?
The proposed price is per business, not per seat: Free with one bank account, then Pro at $19 a month and Business at $49 a month. Everyone in the business and your accountant are included, and nothing is charged until Ledger ships.
Hear first when Ledger opens.
Ledger is in the third wave, after Bill, with Spend and Pay beside it. Join the waitlist and you will hear before the announcement. Tell us how you keep the books today and what your year-end looks like; the awkward requirements shape the design most.