GoLedger
Get started
Built for South Africa, powered by AI

Your money, finally clear.

GoLedger is the AI personal finance companion that tracks every rand, projects your runway, and explains your numbers in plain English. No spreadsheets. No jargon. Just clarity.

Get started freeiOS app coming soonSign in
  • Two-factor authentication, always
  • Your data stays yours
  • No ads, no tracking
  • POPIA-aligned
  • ZAR-first
  • Cancel anytime
Assistant
What did I spend on groceries this month?
R3,247 across 11 visits. That's 18% under your R4,000 budget. Pace looks healthy.
How am I tracking against my budget this month?
After your fixed costs and current pace, you're on track to end the month about R6,180 ahead. Want me to log a savings goal?
Ask anything about your money
End-to-end TLS·Row-level security·Mandatory MFA·EU data hosting·Zero ad-tracking

Everything you wish your banking app could do.

Forecasts, budgets, invoices, goals, multi-business scopes, all in one place, all explained by an AI that actually knows your numbers.

AI that knows your money

Ask any question in plain English. Get answers grounded in your real balances, recent transactions, and goals.

All your accounts, one view

Personal, side hustle, multi-company. Switch scope in one tap. Nothing leaks between them.

Forecasts and runway

Know where you'll be at month-end before it happens. Adjust spending before the month ends.

Invoices that send themselves

Draft, send, and chase invoices straight from chat. Branded per company. Reminders on a schedule.

Goals you'll actually hit

Set a goal, get a weekly nudge, watch the runway shift live as you save.

Hands-free voice capture

Push-to-talk in the chat. Capture a transaction or ask a question without typing a word.

See it in action.

Beautifully crafted for mobile first. Quick swipes, soft haptics, and an interface that gets out of the way.

Good morning
Net worth
R 184,210
+R 4,820 this month
ChequeR 28,410
SavingsR 142,800
Tax potR 13,000
Insight
Groceries are 18% under budget. You could move R600 to your savings goal.

A dashboard that thinks

Income, runway, top categories, surfaced before you ask.

Assistant
What did I spend on groceries this month?
R3,247 across 11 visits. That's 18% under your R4,000 budget. Pace looks healthy.
Ask anything about your money

Chat your way to clarity

Ask "how much did I spend in December?" and see the figures, drawn straight from your own data.

Budgets
November · R 8,700 of R 12,500
GroceriesR 3,247 / R 4,000
Eating outR 1,820 / R 1,500
TransportR 920 / R 2,000
HealthR 410 / R 1,200

Budgets that adapt

Zero-based budgeting with auto-categorisation and rollover.

AI you can trust

An assistant that knows your money.

GoLedger's chat is powered by frontier AI models from Anthropic and Google, grounded in your real account balances, recent transactions, budgets, and goals. It can draft invoices, schedule reminders, re-categorise transactions, and propose multi-step actions you approve in one tap.

  • Talk or type. Dictate on the go with push-to-talk. Transcription happens on-device.
  • Always your call. AI proposes. You approve. Destructive actions need a second tap.
  • Private by design. Chat content is never used to train models or sold.
Autopilot
Tidy up November in 4 steps
✓
Categorise 14 uncategorised transactions
✓
Move R 600 from groceries → savings goal
3
Send invoice reminders to 2 overdue clients
4
Schedule December digest email
Continue
Tax Invoice
Hummingbird Studio (Pty) Ltd
VAT 4470123456 · Reg 2024/123456/07
INV-2026-041
Due 14 days
Bill to
Acme Holdings (Pty) Ltd
finance@acme.co.za
Description
Qty
Amount
Brand identity — discovery + strategy
1
R 28,000
Logo system + guidelines
1
R 32,000
Website (5 pages, responsive)
1
R 48,500
SubtotalR 108,500
VAT (15%)R 16,275
TotalR 124,775
Sent · awaiting paymentReminder in 3 days
For freelancers, side hustles & small companies

Run multiple businesses, keep them properly separate.

Add unlimited companies to one account. Each company has its own ledger, branding, invoices, contacts, and VAT settings. Switch between personal and business in one tap, with zero data bleed. Perfect for solo founders, consultants, side-hustlers, and family trusts.

  • Branded invoices. Per-company logo, banking details, payment terms, and VAT number on every PDF.
  • Automatic reminders. Polite follow-ups go out on a schedule you set. Stop chasing, start collecting.
  • Clear financial reports. Profit and loss, expense category breakdown, and a clean export you can hand to your accountant for SARS eFiling.
  • Contact book per company. Clients, suppliers, and their payment history, all in one place.
Security & privacy

Your data, locked down.

Built with the same primitives the world's serious fintechs use. You can delete your account, and everything in it, in one tap.

  • Two-factor authentication, mandatory
    Every account is protected with TOTP 2FA. No exceptions, no opt-out.
  • Row-level security on every query
    Postgres RLS guarantees no other user can ever read your rows, even if our app code has a bug.
  • Delete in one tap
    Settings → Account → Delete account. Your data is wiped from our servers within 30 days, end to end.
  • No tracking, no ads
    We don't sell your data, ever. No third-party advertising or cross-app tracking SDKs ship with the app.

Take control of your money this month.

Free to start. Two-factor mandatory. No spreadsheets, no bank-screen-scraping, no nonsense.

Create your free accountiOS app coming soon