Your money and business, organized in one place.
HSLedger is a simple hub for your personal finances and your small business: income, expenses, receipts, invoices, customers, mileage, goals, calculators, credit health and tax-time organization. One account. Nothing to install.
No credit card. No bank passwords. Export or delete your data any time.
Everything a small Canadian business (and its owner) needs to stay organized
Personal and business records stay separate but live in one account, so you always know which is which.
Personal money
Log income and expenses, set monthly budgets, and see your net cash flow, savings and debts at a glance.
Small-business bookkeeping
Keep each business's income and expenses separate, with categories built for Canadian sole proprietors.
Receipts
Snap a receipt from your phone, attach it to an expense, and find it again in seconds at tax time.
Invoices
Create clean invoices in CAD with HST/GST, share a link, and track draft, sent, paid and overdue.
Customers
See what each customer has been billed, what's outstanding, and every invoice in one place.
Mileage
Record business trips and see monthly and year-to-date kilometres with a CRA reference estimate.
Goals & calculators
Emergency fund, TFSA, RRSP, FHSA, RESP, down payment, debt payoff and more, with clear assumptions.
Credit health
Enter your own score and balances to see utilization and debt-to-income, plus a plain-language improvement checklist.
Tax-time organization
A year-by-year summary of income, expenses, receipts, mileage and documents you can export for your accountant.
Bookkeeping that fits in your pocket
Record a sale, snap a receipt, log a trip, send an invoice, all from your phone. At year-end, Tax-Time pulls it together into a summary and a CSV your accountant will thank you for.
- Multiple businesses, cleanly separated
- HST/GST on invoices, configured per business
- Receipts attached to expenses
- Mileage with CRA reference rates, centrally configured
- Income, expense, profit & loss, invoice, customer and mileage reports
- CSV export of everything you record
Your data, your control
Row-level security means only your signed-in account can read your records. Export everything as CSV or delete your account from Account settings.
Honest about credit
Credit Health uses the score and balances you enter. HSLedger does not pull bureau reports and never asks for bureau or bank passwords.
Organization, not tax filing
Tax-Time gets your records ready for you or your accountant. It does not file with the CRA or decide your tax position.
Questions, answered plainly
Is HSLedger a bank or connected to my bank?
No. HSLedger never asks for your banking password. You add records yourself or import a CSV from your bank. Legitimate, secure bank connections may be offered in the future.
Does HSLedger check my credit score?
No. HSLedger is not a credit bureau. Credit Health works from information you enter yourself, and is clearly labelled that way.
Does it file my taxes or talk to the CRA?
No. Tax-Time helps you organize your own records and export them. It does not determine your tax obligations and is not a CRA service.
Is it free?
Yes. Everything is free while HSLedger is in its launch period. Paid plans for advanced business features will be announced before anything changes.
Where is my data stored and who can see it?
Your data lives in a secured database with row-level access rules so only your signed-in account can read your records. You can export or delete everything from Account at any time.
Start with your next expense
Create a free account, add one record, and see your hub fill in around it.
Questions? Email me. One person builds and maintains HSLedger.