Actions in plain language
Ask Plu to add supported records or manage a budget without navigating every form yourself.
Features
Meet the AI assistant that can help do the work.
Pludo Ledger is built around Plu, an intelligent personal finance assistant that can answer questions and take supported actions on your records when asked. Use Plu to move from a request to a completed task, or use every core feature manually when you want direct control.
01
Ask Plu to turn questions into action
Plu works with the financial context you choose to share. Ask it to add a transaction, explain a change in spending, summarize recent activity, create or update a budget, or help organize the information extracted from a receipt.
The assistant is designed to help complete real work instead of stopping at a generic answer. Receipt details are prepared for review, and destructive changes require confirmation. Because AI can make mistakes, important records and conclusions should still be checked.
Analysis with your context
Explore spending, balances, categories, and recent changes using the records you choose to share.
AI receipt scanning
Send a receipt to your selected AI provider and review the prepared merchant, items, amount, date, and category.
Proactive insights coming soon
Planned predictive insights will surface emerging spending patterns for review before the public launch.
02
Keep complete manual control
AI is never the only path through Pludo Ledger. The full manual workspace lets you record and edit information directly, inspect the numbers behind a summary, and decide exactly how your personal finance system should be organized.
You can move between Plu and the manual interface as your needs change. Ask for help when speed matters, then open the underlying transaction, budget, goal, or report when you want to inspect or adjust the details yourself.
Simple money tracking
Record income, expenses, transfers, and notes without connecting a bank account.
Budgets that stay useful
Set limits, see progress, and understand where spending is moving.
Goals with context
Create savings goals and follow progress alongside the rest of your finances.
Recurring payments
Keep regular bills and subscriptions visible so fewer costs take you by surprise.
Clear reports
Review categories, trends, balances, and recent activity in straightforward views.
03
Choose how connected you want to be
Core financial records begin in device storage. If you want AI assistance, Pludo Ledger sends the prompt and relevant context for that request to the selected AI provider. Authentication, exchange-rate lookups, notifications, and device transfer can also use online services when you choose those features.
If you prefer a fully private and local workflow, leave AI disabled and use the manual tools. You can export your records for a separate backup, and no bank connection is required to begin tracking.
AI when you want it
Invoke Plu for a specific question or task and share the context relevant to that request.
Local mode when you do not
Use manual tracking without submitting your financial records to an AI provider.
Your own copy
Export and restore your records so you can maintain a backup under your control.
- 01No bank connection required
- 02No advertising based on your financial records
- 03Optional device lock where supported
- 04Export and restore tools included
Related Pludo Ledger resources
Give Plu a real task.
Open the free beta, ask a question, or build your workspace manually. The choice stays yours.