MyLedja turns your bank statements and income streams into a clear financial picture — automatically. No spreadsheets. No guessing.
Total Income
₦1.2M
Total Expenses
₦890K
Net Savings
₦310K
Monthly Spending
Recent Transactions
NIP Transfer — Rent Payment
HousingSalary Credit — Employer Inc.
IncomeGTB ATM Withdrawal
CashTransfer — Freelance Payment
Income0+
Banks supported
0 min
Average setup time
0%
Free during beta
Sound familiar?
Your income arrives from three different places.
Expenses blur together by the end of the month.
You made a budget in January. It's gone by February.
Bank statements are walls of text nobody actually reads.
You have no idea what you owe in tax until it's too late.
Excel has a new tab every month — and nothing talks to anything.
That's not a discipline problem. That's a system problem. MyLedja is the system.
Features
Built for the way people actually earn and spend — not the way finance apps assume they do.
Your income is split automatically across giving, savings, investments, and living expenses. The plan is done when you show up.
PDF, CSV, XLS — MyLedja reads them all. GTB, Access, Zenith, Premium Trust, Bank78, and more. If your bank issued it, we can parse it.
No more sorting hundreds of rows by hand. MyLedja's AI reads your transactions and assigns categories automatically.
Salary, freelance, rental income, dividends. Track them all together and see your real monthly earnings.
Know exactly what you owe before the deadline. Configure your reliefs, see your taxable income, and plan ahead.
Who this is for
Your income is real but irregular. MyLedja tracks every stream separately and shows your actual monthly earnings in one view.
Salary on the 25th. Consulting fees whenever. Rental income monthly. MyLedja doesn't assume one income source — it handles all of them.
Your obligations come before your goals. Giving and family support are first-class budget categories, not afterthoughts.
Multi-currency is built in. MyLedja doesn't force you into a single-currency model.
How it works
Sign up and enter your monthly income streams. MyLedja builds your budget plan automatically.
Drop in your PDF or log transactions manually. MyLedja extracts and categorises everything.
Know where every naira went, what's off, and stay on track month after month.
The budget principle
When your income arrives, it should already know where it's going. Not because someone told you to be disciplined — because you have a plan that allocates it automatically.
The default split is a starting point, not a rule. You adjust it to your life. Within your living pool, you allocate to categories that match how you actually spend.
* Percentages are a default starting point — fully customisable
Global by design
The statement parser handles the full variety of formats Nigerian banks produce — PDF, CSV, Excel. Different column names, different date formats, different amount layouts. If your format doesn't parse correctly, we want to know.
Join early users already taking control of their money.
MyLedja is free during beta. No credit card, no commitments. Get full access while we build together.