Built with real accounting training — every transaction logged, every change undoable, every number yours. The conversation is just how you talk to it.
Every other money app shows you charts. UpgradeOS Ledger actually moves the numbers.
Every change — by you or the AI — is recorded with before/after values. Roll anything back with one click. Your data, your rules.
A conversational chief financial officer that knows your accounts, your goals, and your habits.
Save for a house, an emergency fund, a trip. Your CFO tracks progress and recommends adjustments.
Set budgets in plain English. Auto-update spend as transactions land — no spreadsheets.
Your assistant remembers what matters: your income, your risk tolerance, your preferences.
Tag expenses as business or personal. Mark reimbursables. Clean books for freelancers and sole proprietors.
Every move — by you or by the AI — is recorded with before/after values and a timestamp. Disagree with something the AI did? Roll it back with one click. Built to accounting-grade standards by a CPA candidate.
Example
Audit: Goal "House fund" target_amount 15000 → 20000 by you · 2 min ago Audit: Transaction $42 Loblaws added by AI · 5 min ago [Undo]
Say "I just got paid $3,800 from Acme — split half to rent, $200 to my house fund, rest to chequing." Your CFO proposes the moves, you approve, and your ledger updates.
Example
You: I spent $42 at Loblaws yesterday on groceries. CFO: Logged $42 to TD chequing, category Groceries. You're at $387 / $600 this month.
Tell your CFO what you're saving for. Contributions, milestones, and projections happen automatically as your accounts move.
Example
You: How am I doing on my house fund? CFO: $4,200 / $20k. At your $300/mo pace you'll hit it by Aug 2027. Bump to $450 to land Q4 2026.
"Cap groceries at $600 a month." That's the whole flow. Spend re-computes from your real transactions every time something changes.
Example
You: Cap dining out at $250. CFO: Done — dining budget $250/mo. You've already spent $190 this month.
Your CFO learns your income cadence, fixed costs, risk appetite, and quirks. Every conversation gets sharper.
Example
CFO remembers: paid bi-weekly Fridays, rent $1,950 1st of month, prefers conservative projections.
Every transaction can be tagged as business or personal — and flagged as reimbursable if a client owes you back. No more end-of-year archaeology through a single mixed account.
Example
You: Paid $85 at Staples — business expense, reimbursable from Acme. CFO: Logged $85 Staples as business / reimbursable. Running total owed by Acme: $340.
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