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05Hosted AITest mode, no real charges

AI features, no API key homework.

Ledgerly’s AI features have always been bring-your-own-key: you add an OpenAI key, you pay OpenAI directly, and that stays free forever. The hosted subscription is the shortcut, one small monthly fee and the AI features just work, no OpenAI account, no key to paste, no usage math.

What it unlocks
  • Smart spending summaries
    AI-written narratives of where the month went, on your real numbers.
  • Card Concierge chat
    Ask which card to swipe, why a fee posted, what to prepay first.
  • Card Roast
    The fun stuff: an AI-written roast of your spending habits.
  • Loan reminder drafts
    Polite, ready-to-send nudges for money friends owe you.
  • Goal price estimates
    A suggested target amount when you create a savings goal.

Everything else in Ledgerly, capture, the optimizer, goals, insights, stays free and fully on-device. Receipt and screenshot OCR still runs on your own OpenAI key for now. Prefer your own key for everything? BYOK is not going anywhere.

Intro price
₹99/month

Early-supporter pricing while Ledgerly is pre-launch. Your rate stays locked as long as you stay subscribed.

  • · Pay by card; UPI Autopay is coming
  • · Cancel anytime
  • · Key delivered in about a minute

Start your subscription

Enter your email and we’ll take you to Razorpay to authorize the subscription. Right after payment, your personal access key appears on the claim page, paste it into the Ledgerly app and you’re done.

Heads up: the subscription is in test mode while we finish payment setup. Checkout runs on Razorpay’s test environment, no real money moves, and test keys may be reset. Want in when it goes live? Email us and we’ll ping you.

Only used for payment receipts and service notices.

You’ll confirm the subscription on Razorpay’s secure page before anything is charged. Cards are supported today; UPI Autopay arrives with the live launch. Cancel anytime from the same page Razorpay emails you. By subscribing you agree to the terms, the refund and cancellation policy, and the privacy policy.

Already paid? Claim your key.

If you subscribed on this device, your key is waiting on the claim page. Keys are usually ready within a minute of payment. Trouble? Email us and we’ll sort it out.