# Ledgerly > Budgets, bills, subscriptions, loans, contracts and deadlines on one private desk. Ledgerly is a household finance and life-admin desk that keeps your data in your browser. Import bank statements, plan a monthly budget, track subscriptions, utility meters, loans, contracts, appliances and paperwork, then run a one-click check-up that sends each part through the matching usefulweb tool — subscription audit, bill detective, loan schedule, contract fee finder, deadline decoder, life-admin checklists and more. The results come together in a dashboard, a deadline calendar with .ics export, A/B comparisons and a printable household report. Ledgerly (Household finance & life-admin desk) is a premium app of usefulweb.site (https://usefulweb.site/): a full program that runs in the browser. Its engine is deterministic and the same functions are exposed as tools, so an agent can compute exactly what the app shows. ## Use it - Landing page: https://ledgerly.usefulweb.site/ - Workspace (browser app): https://ledgerly.usefulweb.site/app - open a project with https://ledgerly.usefulweb.site/app#project= or a template with https://ledgerly.usefulweb.site/app#template= - Project file format (JSON Schema): https://ledgerly.usefulweb.site/project.schema.json - Tutorials: https://ledgerly.usefulweb.site/tutorials - JSON API: POST https://ledgerly.usefulweb.site/api/v1/tools//calculate (catalog: https://ledgerly.usefulweb.site/api/v1/tools) - OpenAPI: https://ledgerly.usefulweb.site/openapi.json - MCP (Streamable HTTP): https://ledgerly.usefulweb.site/mcp ## Engine tools - [Subscription Stack](https://subscriptionstack.usefulweb.site/): Add up every subscription, spot overlaps and see which ones to cancel and what you save. API: POST https://ledgerly.usefulweb.site/api/v1/tools/subscription-stack/calculate · MCP tool `subscription_stack` - [Cancellation Navigator](https://cancellationnavigator.usefulweb.site/): Verified steps to cancel Netflix, Spotify, Prime & more, plus a cancellation letter. API: POST https://ledgerly.usefulweb.site/api/v1/tools/cancellation-navigator/calculate · MCP tool `cancellation_navigator` - [Bill Detective](https://billdetective.usefulweb.site/): Spot spikes, price changes and calculation errors across your utility bills. API: POST https://ledgerly.usefulweb.site/api/v1/tools/bill-detective/calculate · MCP tool `bill_detective` - [Hidden Fee Finder](https://hiddenfeefinder.usefulweb.site/): Paste a quote, contract or invoice and see every fee, tax, penalty and add-on. API: POST https://ledgerly.usefulweb.site/api/v1/tools/hidden-fee-finder/calculate · MCP tool `hidden_fee_finder` - [Loan Amortization Calculator](https://loanamortizationcalculator.usefulweb.site/): Annuity, linear or interest-only loans: schedule, extra payments, fixed-rate balance, APR. API: POST https://ledgerly.usefulweb.site/api/v1/tools/loan-amortization-calculator/calculate · MCP tool `loan_amortization_calculator` - [Deadline Decoder](https://deadlinedecoder.usefulweb.site/): Find every deadline, required action and consequence in a letter or notice. API: POST https://ledgerly.usefulweb.site/api/v1/tools/deadline-decoder/calculate · MCP tool `deadline_decoder` - [Life Admin Generator](https://lifeadmingenerator.usefulweb.site/): A dated to-do list for moving, marriage, a baby, a new job and other life events. API: POST https://ledgerly.usefulweb.site/api/v1/tools/life-admin-generator/calculate · MCP tool `life_admin_generator` - [Digital Estate Organizer](https://digitalestateorganizer.usefulweb.site/): List your online accounts and get a prioritised plan for what happens to them – no passwords needed. API: POST https://ledgerly.usefulweb.site/api/v1/tools/digital-estate-organizer/calculate · MCP tool `digital_estate_organizer` - [How Long Will It Last?](https://howlongwillitlast.usefulweb.site/): Estimate remaining life of appliances and home components and plan the replacement. API: POST https://ledgerly.usefulweb.site/api/v1/tools/how-long-will-it-last/calculate · MCP tool `how_long_will_it_last` - [Repair or Replace](https://repairorreplace.usefulweb.site/): Fix it or buy new? The 50% rule plus a cost-per-year check, with a clear verdict. API: POST https://ledgerly.usefulweb.site/api/v1/tools/repair-or-replace/calculate · MCP tool `repair_or_replace` - [Warranty Value Calculator](https://warrantyvaluecalculator.usefulweb.site/): Is the extended warranty worth it? Expected payout vs. price and break-even failure rate. API: POST https://ledgerly.usefulweb.site/api/v1/tools/warranty-value-calculator/calculate · MCP tool `warranty_value_calculator` - [True Cost Calculator](https://truecostcalculator.usefulweb.site/): What a car, pet, appliance, home or gadget really costs per year, month and day. API: POST https://ledgerly.usefulweb.site/api/v1/tools/true-cost-calculator/calculate · MCP tool `true_cost_calculator` - [Is It Worth It?](https://isitworthit.usefulweb.site/): Buy, rent, repair or subscribe? Compare total cost and NPV over the years you need it. API: POST https://ledgerly.usefulweb.site/api/v1/tools/is-it-worth-it/calculate · MCP tool `is_it_worth_it` - [Bulk Buy Brain](https://bulkbuybrain.usefulweb.site/): Is the bulk pack really cheaper once waste, storage and tied-up cash are counted? API: POST https://ledgerly.usefulweb.site/api/v1/tools/bulk-buy-brain/calculate · MCP tool `bulk_buy_brain` - [Price Per Everything](https://pricepereverything.usefulweb.site/): Compare products by price per gram, use, serving, hour or year of life. API: POST https://ledgerly.usefulweb.site/api/v1/tools/price-per-everything/calculate · MCP tool `price_per_everything` - [Break-even Explorer](https://breakevenexplorer.usefulweb.site/): When does an investment pay for itself? Payback, NPV and IRR for solar, EVs, heat pumps… API: POST https://ledgerly.usefulweb.site/api/v1/tools/break-even-explorer/calculate · MCP tool `break_even_explorer` - [Decision Simulator](https://decisionsimulator.usefulweb.site/): Compare 2–6 choices by expected value, worst case, best case and minimax regret. API: POST https://ledgerly.usefulweb.site/api/v1/tools/decision-simulator/calculate · MCP tool `decision_simulator` - [Salary Reality Check](https://salaryrealitycheck.usefulweb.site/): Compare job offers by real net pay per hour, including commute time and living costs. API: POST https://ledgerly.usefulweb.site/api/v1/tools/salary-reality-check/calculate · MCP tool `salary_reality_check` - [Tip & Bill Split Calculator](https://tipbillsplitcalculator.usefulweb.site/): Tip, tax and who pays what: split a bill equally, by shares or by items, rounded up. API: POST https://ledgerly.usefulweb.site/api/v1/tools/tip-bill-split-calculator/calculate · MCP tool `tip_bill_split_calculator` - [Percentage & Ratio Calculator](https://percentageratiocalculator.usefulweb.site/): X% of Y, % change, reverse %, percentage points, ratios and aspect ratios, with formulas. API: POST https://ledgerly.usefulweb.site/api/v1/tools/percentage-ratio-calculator/calculate · MCP tool `percentage_ratio_calculator` - [Inflation Time Machine](https://inflationtimemachine.usefulweb.site/): What was money from one year worth in another? CPI-based, 20 countries, World Bank data. API: POST https://ledgerly.usefulweb.site/api/v1/tools/inflation-time-machine/calculate · MCP tool `inflation_time_machine` - [Currency Converter](https://currencyconverter.usefulweb.site/): Convert an amount into several currencies at ECB euro reference rates, with rate date and source. API: POST https://ledgerly.usefulweb.site/api/v1/tools/currency-converter/calculate · MCP tool `currency_converter` - [Historical FX Chart](https://historicalfxchart.usefulweb.site/): Chart exchange rates over time from ECB data: min, max, average, change, volatility and CSV export. API: POST https://ledgerly.usefulweb.site/api/v1/tools/historical-fx-chart/calculate · MCP tool `historical_fx_chart` - [Multi-Currency Invoice Calculator](https://multicurrencyinvoicecalculator.usefulweb.site/): Convert invoice lines in different currencies at ECB reference rates, with VAT, rounding and totals. API: POST https://ledgerly.usefulweb.site/api/v1/tools/multi-currency-invoice-calculator/calculate · MCP tool `multi_currency_invoice_calculator` - [Travel Exchange Fee Calculator](https://travelexchangefeecalculator.usefulweb.site/): Compare what cards, ATMs, DCC and exchange bureaus really cost abroad vs the ECB reference rate. API: POST https://ledgerly.usefulweb.site/api/v1/tools/travel-exchange-fee-calculator/calculate · MCP tool `travel_exchange_fee_calculator` ## Formats - Import: Ledgerly project (.ledgerly.json), Bank statement CSV/TSV (any column order, comma or semicolon, EU or US numbers), Table from another premium app (App Bridge), Project link (#project=…) - Export: Ledgerly project (.ledgerly.json), Household report (print / save as PDF), Calendar (.ics) with reminders, CSV: transactions, budget vs. actual, subscriptions, deadlines, findings, loan schedule, Cash-flow chart (SVG, PNG), Findings and key figures (JSON), Cancellation letters and estate document (text) ## Limits - No bank connection (no PSD2/open banking): transactions come from CSV exports you import. - Tools run on the usefulweb.site API and need a connection; rate limits apply (about 15 exchange-rate calls per minute), and Ledgerly retries automatically after a pause. - One household per project and one home currency; foreign prices are converted at ECB reference rates, not your card’s rate. - Contract notice dates follow the terms you enter; local consumer-law rules (for example shorter notice after the minimum term) are not applied automatically. - The recurring-payment finder needs at least three similar payments (two for yearly ones) and can miss payments whose amount changes by more than 15%. - Tool results are shown in English until their translations are available; Ledgerly’s own interface is translated. - Google Drive saving needs a usefulweb.site account; without one, projects stay in this browser and in files you download. - Reconciliation suggests matches only for exact amounts with the subscription or meter name in the bank description, and flags transfers only when rows carry account names; partial payments, fees or currency differences are not matched.