What Lamp & Ledger does

Debts

The burden the app was built to help lift, and the part that is hardest to do with a spreadsheet.

Balances you never have to retype

Cards and loans arrive from your bank with their balances, rates and minimum payments attached, so the payoff math is running on today's numbers rather than on what you typed in a year ago.

A debt-free date

Not a vague horizon — a month, on your dashboard, that moves when your balances move.

Four strategies, compared

Snowball, Avalanche, Cash-Flow and an order of your own, run against your real balances and shown side by side in months and in interest, so you can see what each one actually costs.

A goal you can push on

Set your extra payment once and it saves as your Debt Payoff Goal — the projections, the budget, and your debt-free date all carry it. Then push on the plan freely: switch strategies and reorder debts to compare dates side by side, with none of the experimenting committing you to anything. The month-by-month schedule exports as CSV.

Promotional rates that expire

A 0% card is not free forever, and a store-card promo often back-charges every month of waived interest if the balance does not clear in time. Tell it when the rate reverts and the payoff math carries both — rather than handing you a date that quietly assumes the trap never springs.

Credit for finishing

Debts you clear move into a section of their own instead of quietly disappearing, and the month a debt is paid off is marked on your dashboard.

Transactions

You will spend more time in the register than anywhere else, so it is built to be fast to edit.

Synced on its own

New transactions arrive as your banks report them — no button required. You can still press Sync any time you want to check right now, and if a connection goes quiet your dashboard says so rather than quietly showing you stale numbers.

Categories you control

Rename them, retire them, nest them, give them an icon. Retiring a category forwards everything that used to land there, so cleaning up your list never orphans a year of history.

Rules that do it next time

Categorize a merchant once and make it a rule. The next charge from them is already sorted when it arrives.

Splits

One receipt, three categories. The register keeps the transaction whole and the budget sees the parts.

Transfers caught before they lie to you

Money moving between two of your own accounts is spotted and offered up to be paired, so it never counts as income on one side and spending on the other.

Hand-entered rows, matched

Write down a purchase before it clears and the downloaded copy is matched to it rather than duplicated.

Recurring series

Turn a transaction into a repeating series and the ones still to come appear in your register and your forecast before they hit.

Forecast

Project a cash account forward from what is scheduled and what repeats, and see where the line goes before it gets there.

Budget

A month you can build from evidence in a few minutes, rather than an empty grid you fill in from memory.

Amounts proposed from your own spending

The Spending section reads your history and suggests a number for each category, so you are correcting figures rather than inventing them.

One month, three views

Budget, Income and Spending are three windows onto a single set of figures. They cannot disagree, because there is only one of them.

Click a category, see the rows

Any category name in the grid opens the transactions behind its number. Nothing is a figure you have to take on faith.

Goals and sinking funds

Put money aside monthly for the things that arrive annually, and track what you have set aside so far.

Family Sharing

One account, two people — with the rules decided in the database rather than on a screen.

Invite your Spouse

Your Spouse gets a sign-in of their own and sees everything in your account — every account, balance, budget and goal — without ever seeing your password. Two-factor sign-in is required before they can accept.

Full Edit or Read Only

Choose whether they can change things or only look, and change your mind at any time. Read Only is enforced by the database itself, so no page can offer a change the rules would refuse.

Bank connections stay yours

Only the Owner can add, reconnect or remove a bank. A Spouse sees the banks you connected and never the keys behind them.

What it does not do yet

A feature list with no gaps in it is a feature list you should not believe. These are the ones worth knowing about before you sign up.

• Bulk data export. You can export a payoff schedule, and you can delete everything, but you cannot download your whole register.
• Saving a chosen payoff strategy. You can compare all four on your Debt Payoff Goal, but the plan on your dashboard currently runs Snowball.
• Sharing with anyone but your Spouse. Household — separate accounts for adult family members, each with their own login and their own money — is designed and not built.