What Broker Ledger reads, how it sorts and flags payments, what the report contains and what stays on your computer.
PDF, CSV and XLSX files, with formats from these banks among those supported:
Bank formats change. Check imported dates and amounts against the original.
Payments are sorted into committed and discretionary spending. Salary, other income and transfers between the client’s own accounts are separated so they are not counted as spending.
Other mortgage / Rent · Spousal / Child maintenance · Electricity / Gas / Oil · Water · Communications · Television · Council tax · Car costs · Other transport costs · Service charge / Ground rent · Insurances
Food · Clothing · Household maintenance · Entertainment · Child care · Holidays · Pension contributions · Investments
These payments always go to your review queue, even when the category is already known:
Direct debits and money in are marked for information only. A flag means “check this”. It is not a conclusion about the client. Hover over a flag in the app for its explanation.
The AI only suggests labels: a category for each merchant and any gambling or lender flag. Every total in the report is calculated by the software from the recorded transactions, and you approve every category before export.
Correct a merchant’s category once and Broker Ledger applies your choice to that merchant in future cases. A saved category never clears a flagged payment; those are still checked.
Confirmed merchant categories sync to colleagues in your business. If two people disagree, the conflict is shown for review. Exceptions for a single client stay with that client.
Select each stage. In Check, confirm the example merchant. This illustration stores nothing and uploads nothing.
Each card shows the next action for that case.
Add their statements
DEMO-001 · 3 statements
Check 8 payments →DEMO-002 · All checked
Make the PDF →Jamie Taylor · DEMO-001
1 merchant left to check
4 payments · Suggested category: Food
Monthly figures · Draft
Fictional figures. Not a lending decision.
See an example reportInteractive illustration of the desktop workflow, not the live application.
The report shows where every figure came from.
Jamie Taylor · DEMO-001 · 1–31 October 2026
To suggest categories, Broker Ledger sends merchant descriptions to an external AI service. A privacy filter on your computer runs first.
Licensing, updates and shared categories also use online services. Removing identifiers reduces what is sent; it does not guarantee a description is anonymous. Your business is the data controller for client data.
Broker Ledger organises evidence. It does not replace your assessment.
Broker Ledger is a Windows desktop application. There is no Mac or browser version.
Needed for categorisation, licensing, shared categories and updates. There is no offline mode.
Each staff member uses their own key, issued by the business owner from Settings.
A demonstration covers the full workflow with fictional data.
