The Ledger
Household finances, read from your own statements — not guessed
Oct 2024 – Aug 2026
23 full months · 1 current account · 2 credit cards · 1 loan · 1 mortgage

Right now

Latest complete month, normalised for the mortgage direct-debit timing quirk and blended with card spending — the two-year figures below are useful for context, not for "how are we doing today"

Two-year averages

For context and long-run trend — not the current picture, see "Right now" above
Avg. monthly income
£0
Varies month to month — gig & contract income
Avg. monthly outgoings
£0
Mortgage, bills & everyday spend
Avg. monthly shortfall
£0
months in deficit
Days overdrawn
0
out of ~700 days on record

Two-year trend

Every month for the last two years — income against everyday spend plus loan & card repayments

What's actually happening

Four things worth knowing, in plain terms

Two years of spending, by category

Everything that isn't a card payment, loan repayment, or transfer to savings

Split at a glance

Share of total household spend

Category trend, month by month

The big five — where the swings actually happen

Bills you can set your watch by

Direct debits & standing orders, ranked by size (loan & card payments excluded — see The Full Picture)

Subscriptions worth a second look

Recurring app & software charges seen on the current account

Subscriptions & software, month by month

Two years of the actual category total — not an estimate

This month, so far

Pulled live from what you've logged below — log a receipt and this updates
Targets are a starting point — edit any number and it's remembered

Wins already on the board

Before looking at what to fix, here's what's already fixed

Groceries, blended across account + both cards

The current account alone was undercounting this — most of the weekly shop is on the cards

Amazon & Temu, month by month

Temu stopped in Feb 2026 · Amazon down ~65–70% from its 2024 peak

How you compare to a typical UK household

Two-adult household benchmarks — sources at the bottom of the page

Log it as you go

Bank statements can't see inside a supermarket basket — this can. Add a few entries a week and the totals below build themselves. Saved only in this browser.

What you own

The side of the ledger that doesn't show up on a current account statement

The house: equity vs. what's owed

The road ahead

Loans & cards

Kept separate, on purpose — here only when you want to look