Your books, done.
Without the accountant bill.
AI-powered accounting for NZ small business. Upload your bank statement, AI codes everything, you approve. GST returns in 5 minutes.
The problem with traditional accounting
Your business grows. Your accounting bill shouldn't explode.
Accountants charge by the hour. Xero charges per user. Ledger gives you AI-powered coding, GST returns, invoicing, and PAYE — one flat price.
Traditional accountant
Charges by the hour
Costs scale with complexity — and your time explaining things.
Xero / MYOB
Software + you do the work
You pay for the tool — you still do the coding and filing.
Ledger
AI codes, you approve
One flat price. AI does the heavy lifting. You stay in control.
Stop paying for hours. Start paying for outcomes.
Ledger combines software and AI so you get your books done without the accountant bill — or the manual data entry.
How it works
Three steps. That's it.
Bank feed in
Connect your bank or upload CSV. ANZ, ASB, BNZ, Westpac, Kiwibank, Emerge — transactions flow in automatically.
AI codes
AI suggests account codes and GST treatment. You review and approve — or override. Bulk approve high-confidence suggestions in one click.
You file
GST returns, invoicing, PAYE — AI drafts, you file via myIR. P&L, balance sheet, IR348. Your books, done.
AI coding in action
See it work.
Transactions flow in. AI suggests account codes and GST treatment. You review and approve — or override. Powered by Anthropic.
| Description | Amount | Account | GST |
|---|---|---|---|
AI suggests. You approve. Your books stay accurate — without the manual grind.
What you get
Everything you need to run your books. Nothing you don't.
AI transaction coding
Anthropic-powered suggestions for account codes and GST. Learn from your overrides. Bulk approve high-confidence codes in one click.
GST return draft
AI aggregates coded transactions into Box 5, 6, 7, 11–13. Drill down to source transactions. myIR filing guide included.
Invoicing + PDF
Create invoices with line items, GST auto-calc. Generate PDFs. Stripe Payment Link per invoice. Clients and line items managed in-app.
PAYE / IR348
Pay run calc, KiwiSaver, ESCT, employment info CSV
NZ bank CSV
ANZ, ASB, BNZ, Westpac, Kiwibank, Emerge
P&L + Balance sheet
Generated from coded transactions
Document attach
Upload receipts to transactions
Bootstrap coding
Code 30 before AI — ensures quality
Simple, transparent pricing
All prices in NZD. 14-day free trial on every plan. Cancel anytime.
Solo
For sole traders doing their own books
- 1 entity, 1 bank account
- Up to 200 transactions/mo
- Manual CSV bank feed
- AI transaction coding
- GST return drafting
- Annual accounts (P&L + BS)
- Invoicing (20/mo)
- Email support
Business
For growing businesses that need more
- Everything in Solo
- Up to 1,000 transactions/mo
- Live bank connection via Akahu
- AI document extraction
- Unlimited invoices
- Stripe payout reconciliation
- Monthly AI financial insights
- Priority support
Advisor
For accountants managing multiple clients
- Everything in Business
- Up to 5 entities
- Unlimited transactions
- Monthly AI health reports per entity
- Client-facing shareable reports
- 5 team seats
- Dedicated Slack support
All plans include GST. Overage: $15 NZD per additional 100 transactions.
Ready to take control of your books?
Join NZ businesses already using Ledger to save hours every month.