Free bookkeeping software
Free bookkeeping software with a real ledger
LedgerMCP is free double-entry bookkeeping for small businesses and personal books. Unlimited books, real reports, and no trial that expires. It is also the only free bookkeeper your AI assistant can run.
$0
the software, forever; no trial clock
∞
books and transactions on one account
66
MCP tools; your AI does the work, free
$9
/mo and up for the paid part: bank feeds
What free includes
- ✓ Unlimited books, business and personal
- ✓ Unlimited transactions by CSV, OFX, or manual entry
- ✓ Full double-entry journal
- ✓ P&L, balance sheet, trial balance, 1099
- ✓ Bank reconciliation
- ✓ Receipt attachments
- ✓ Vendor, project, and client tags
- ✓ Connect Claude or ChatGPT as your bookkeeper
- ✓ Weekly email digest of your books
- ✓ CSV export of everything
Paid plan details are on the pricing page.
Free software, honest structure
The usual “free”
Our structure
What we never do
The part nobody else has
Free usually means you do all the work yourself. Here you can hand the work to Claude or ChatGPT: add LedgerMCP as a connector, drop in a bank statement, and your assistant imports, categorizes, and reconciles on a ledger that cannot go out of balance. You review its work in the web app; every action is logged and reversible.
If you never touch AI, the web app is a complete bookkeeping tool on its own: spreadsheet-style register, inline categorization, and clean monochrome reports. The agent is a superpower, not a requirement.
Free, but real books
The difference from a spreadsheet. Full head-to-heads vs Wave and QuickBooks are on the compare pages linked below.
| LedgerMCP | A spreadsheet | |
|---|---|---|
| Software price | Free | Free |
| Real double-entry ledger | Yes | No |
| Bank feeds | From $9/mo pooled | No |
| AI can keep the books | Yes | No |
| Unlimited books | Yes | Yes |
| One-click CSV export | Yes | It is already a file |
Deep dives: vs Wave · vs QuickBooks · vs Bench
Common questions
Is LedgerMCP actually free?
Yes. Unlimited books, CSV and OFX import, manual transactions, all reports, receipts, reconciliation, and MCP access for the AI you bring are free forever, with no trial clock and no card required.
What costs money?
Two things: live bank feeds (plans from $9 per month, pooled across every book in your account) and the built-in AI assistant (included on Growth at $39 and Scale at $249). Importing the same data by CSV or OFX is free, and bringing your own AI over MCP is free on every plan.
Why is it free? What is the catch?
Bank feeds and the built-in AI assistant cost us real money to run, so those are the paid tiers; everything else is free. No ads, and your data is never sold.
Is this real double-entry bookkeeping?
Yes. Every transaction posts a balanced journal entry, enforced by the database. You get a real trial balance, P&L, and balance sheet your accountant can work from, not a categorized transaction list pretending to be books.
Is there a transaction or book limit on the free plan?
No. Transactions, businesses, and personal books are all unlimited on one free account.
How is this different from Wave?
Wave centers on invoicing, monetized through payments and a $19/mo per-business Pro plan for bank feeds and auto-categorization. LedgerMCP is free double-entry bookkeeping with unlimited businesses on one account, and the categorization is done by the AI you bring.
Can I do my personal finances on it too?
Yes, free. Personal books live beside business books under one account: import card statements, track spending and subscriptions, set simple budgets, and get a weekly email digest if you want one.
Can I get my data out?
Always. One click exports six CSVs per book: transactions, the general ledger, chart of accounts, tags, journal entries, and assets. Free means free to leave, too.
Start your books today
Your AI can start keeping them this afternoon.