PilotLedger features
Business accounting software for small business, built on real books
Send invoices, pay bills, reconcile the bank and close the month in one place. Every screen posts to the same double-entry ledger, so your reports are always right.
Free plan available · No credit card required
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Invoicing
Create branded invoices, email them with a PDF link, record full or partial payments and send reminders. Every invoice posts to accounts receivable automatically, so your books stay right without extra work.
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Quotes & Estimates
Send a professional quote, let your client accept it in their portal, and convert it into an invoice with one click. No re-typing line items, prices or taxes.
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Customer Portal
Give each customer a private sign-in where they see what they owe, download invoice and quote PDFs, and accept or decline quotes. It reads straight from your PilotLedger books, so it is always up to date.
Explore customer portalManage spending
Expense Tracking
Record every business expense against the right account, approve it if your team needs sign-off, and mark it paid from a bank or cash account. Your profit and loss updates as you go.
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Bills & Payables
Record vendor bills, approve them before they hit your books, pay them in full or in part, and apply vendor credits. The Aged Payables report shows exactly what you owe and when.
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Inventory
Turn on Track inventory for a product and PilotLedger keeps its stock count, average cost and cost of goods sold in step with every bill and invoice. No separate stock app, no month-end COGS spreadsheet.
Explore inventoryKeep accurate books
Double-Entry Accounting
Every invoice, bill, payment and expense in PilotLedger posts balanced debits and credits to a real general ledger. You work in plain business screens; the books stay accountant-grade in the background.
Explore double-entry accounting
Bank Reconciliation
Reconcile each bank account to its statement: enter the ending balance, tick the transactions that cleared, and finish when the difference is zero. Completed periods lock so they stay right.
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Multi-Currency
Invoice a client in euros, pay a supplier in pounds and keep a bank account in Canadian dollars. PilotLedger converts each one at the day's rate and works out exchange gains and losses for you.
Explore multi-currency
Financial Reports
Eleven reports, from profit and loss to aged payables, built from the same double-entry ledger your invoices, bills and payments post to. Pick a date range, check the numbers, then print or export to CSV.
Explore financial reportsMost business accounting software for small business starts with invoicing and bolts the accounting on later. PilotLedger starts the other way around: a proper double-entry general ledger sits underneath everything, and invoices, bills, expenses, payments and bank transactions are simply friendly ways of writing balanced entries into it. You never have to type a debit or a credit unless you want to, but your accountant will find a clean ledger, a trial balance that balances and reports that tie out.
How the pieces fit together
Each feature does one job and hands its numbers to the next, so nothing is entered twice.
| You do this | PilotLedger records this | Where you see it |
|---|---|---|
| Send an invoice | Revenue, sales tax and an amount owed by the customer (accounts receivable) | Aged Receivables, Profit & Loss |
| Record a customer payment | Cash in the bank, receivable cleared | Bank account, Balance Sheet |
| Approve a bill | Expense or inventory, and an amount you owe (accounts payable) | Aged Payables, Profit & Loss |
| Pay the vendor | Cash out, payable cleared | Bank account, Cash Flow |
| Reconcile the account | Confirms the books match the bank statement (Starter and above) | Reconciliation report |
| Close the month | A lock date so past periods can't change (Business plan) | All reports |
Built for the way small businesses actually work
You probably don't have a finance team. You have a few customers who pay late, a handful of suppliers, a business bank account and an accountant you speak to at tax time. PilotLedger is designed around that reality:
- Start free, grow into it. The free plan covers a solo business sending up to 10 invoices a month. Starter ($14.99/month) removes the invoice cap and adds the customer portal and bank reconciliation, multi-currency comes from the Growth plan ($34.99/month), and Business adds period close. Customers are unlimited on every plan. See pricing.
- Plain-language screens. Sales, Purchases, Banking, Accountant and Reports — the menu follows the way money moves through a business.
- Accountant-ready. On Growth and above, invite your bookkeeper as a user with their own role. They get the chart of accounts, manual journal entries, opening balances, the general ledger and the trial balance.
Reports that come from the ledger, not a spreadsheet
Because every transaction posts to the general ledger, the financial reports are a view of the same data rather than a separate calculation. PilotLedger includes 11 of them: Profit & Loss, Balance Sheet, Cash Flow Statement, Trial Balance, General Ledger, Aged Receivables, Aged Payables, Sales by Customer, Sales by Item, Expense by Category and Tax Summary. New to reading them? Start with what a profit and loss statement shows.
What PilotLedger doesn't do yet
We would rather you know before you sign up. PilotLedger does not currently connect to banks for automatic transaction feeds, run payroll, scan receipts, take card payments on invoices, send recurring invoices or track time, and there is no mobile app — it runs in any modern browser on desktop, tablet or phone. If any of those is essential today, our comparison pages explain which tools offer them.
Security and control
Your data travels over HTTPS, passwords are hashed with bcrypt, sessions are checked on the server on every request and an audit trail records who changed what. Roles and permissions let you decide which team members can see reports, approve bills or edit the chart of accounts.
Frequently asked questions
Is PilotLedger real double-entry accounting software?
Yes. Every invoice, bill, expense, payment and bank transaction posts balanced debits and credits to a general ledger. You can view the chart of accounts, write manual journal entries and run a trial balance and general ledger report, so your accountant gets proper books rather than a list of transactions.
Which features are included in the free plan?
The free plan includes 1 user, 10 invoices a month, unlimited customers, with unlimited vendors, items and expenses, the full double-entry ledger, chart of accounts, journal entries, inventory and all 11 reports. The customer portal and bank reconciliation start on Starter ($14.99/month), multi-currency from the Growth plan ($34.99/month), and period close on Business. The pricing page always shows the current list for each plan.
Does PilotLedger connect to my bank?
Not yet. You record or import bank transactions and then reconcile each account against your bank statement (reconciliation is included from the Starter plan ($14.99/month)). Reconciliation shows the difference live and only completes when it reaches zero, so your books still match the bank — it just isn't automatic.
Can my accountant use PilotLedger?
Yes. Invite your accountant or bookkeeper as a user and give them a role with access to the Accountant area: chart of accounts, journal entries, opening balances, all reports and, on Business, the lock date. They do not need their own subscription, but a second login needs Growth (5 users) or above, because Free and Starter include one user.
Does PilotLedger work for product businesses?
Yes. Items can track inventory. Bills add stock at cost, and invoices remove it at average cost while automatically posting cost of goods sold, so your profit reflects what you actually sold.
Can I invoice customers in other currencies?
Yes, on the Growth plan ($34.99/month) and above, you can invoice, bill, receive payments and keep bank accounts in foreign currencies. PilotLedger fetches daily exchange rates and records realized and unrealized exchange gains and losses for you.
Start doing your books the right way
Create your free PilotLedger account in under a minute. No credit card required.