Accounting for people
who hate accounting.
One sentence every morning instead of a spreadsheet: "You made $12,400, owe $2,100 in taxes, and can safely spend $4,000 today." We hide the debits, credits, and chart-of-accounts. You just run the business.
- Set up in 10 minutes
- No credit card
- Free forever tier
- Cancel anytime
Pro $29/mo · Business $79/mo when you're ready. Annual billing saves two months.
You made
$12,428
+18% vs last month
You can safely spend
$4,120
after taxes, payroll, and reserve
Tax reserve
$2,113 · set aside ✓
Next payroll
$6,195 · Fri
250+
small business owners on Hate Ledger
10 minutes
average setup — import a CSV or add one account
"Finally an accounting tool that tells me the one number I actually care about."
— Verified owner
Your first 10 minutes
Sign up now and you'll know exactly what you can spend before your coffee goes cold.
Minute 1 — you're in
One tap with Google or Apple. No card, no sales call, no 14-day countdown on the free plan.
Minute 4 — your numbers land
Drop in a bank CSV or type five transactions. The cockpit fills in as you go, and a guide points at your exact next click.
Minute 10 — the fear goes
Your tax reserve is switched on, your safe-to-spend number is live, and tomorrow morning it's waiting for you in one sentence.
Free forever tier · no card · Google or Apple sign-in · cancel a paid plan in one click.
Small business accounting software built for owners, not bookkeepers
Hate Ledger is small business accounting software that answers the only question you ask each morning: what you made, what you owe, and what you can safely spend today. Bank imports, receipts, invoices, bills, payroll, and taxes all feed one number instead of three reports.
Accounting software for self-employed owners
Freelancers, contractors, drivers, and side hustles get accounting software for self-employed work specifically: automatic tax reserve on every deposit, mileage and home-office deductions, and Schedule C figures already assembled at filing time.
See how easy accounting software worksBookkeeping software for small business teams
As you add staff, the same bookkeeping software for small business handles payroll, contractor 1099s, job costing, inventory, and sales tax by jurisdiction — with a real double-entry ledger and month-end locks your accountant can audit.
See simple bookkeeping software01 — The gap
Every "all-in-one" tool is really a toolbox. Owners still need an accountant to use it.
Legacy accounting apps assume you know what a "journal entry" is. You don't. Neither do 90% of small-business owners.
What you actually need is one number: how much money can I safely spend this week without wrecking payroll or taxes?
Nobody answers that. So owners guess. Hate Ledger answers it, out loud, every morning.
02 — What you get
Four things you'll use every day. The rest stays out of your way.
Get your data in, fast
Import a CSV from your bank or snap receipts from your phone — transactions categorize themselves and double-entry happens invisibly behind the scenes. Live bank feeds are coming soon.
The Morning Number
Every day at 8am: what you made, what you owe, and how much you can safely spend. One notification. One number. That's the product.
Tax reserve, automated
We move estimated tax into a locked sub-account after every deposit. When quarterly is due, the money is already there. Zero surprise, zero shortfall.
The Decision Engine
Ask 'can I afford to hire?' or 'should I take that loan?' Get a recommendation with the math shown, not a chart to interpret yourself.
Human Capital ROI Engine
Nobody tells owners "Sarah generated $180K of attributable revenue this quarter against a $95K fully-loaded cost." We do. HR stops being a cost center and starts being a portfolio you can measure, coach, and grow.
02b — The AI bookkeeper
It books the easy 80%. You look at the six it isn't sure about.
Every entry gets a confidence score. High confidence posts itself, learns your corrections, and matches deposits to invoices and card charges to bills on its own. What's left shows up in one short review queue.
Confidence-scored categorization
Rules, then your own history, then keywords — each entry scored 0–100%. Above 85% it books itself and remembers.
Auto-matching
Deposit → open invoice. Card charge → open bill. Receipt → transaction. Amount, date window and vendor name, no typing.
Real double-entry ledger
A standard chart of accounts behind the scenes, so your accountant can pull a trial balance or general ledger CSV.
Month close & lock
Close a month and it locks — no edits after you file. Reopen deliberately if something needs fixing.
Document inbox
Drop a folder of receipts and vendor invoices at once instead of scanning them one at a time.
1099-NEC prep
Contractors over $600 rolled up automatically, W-9 gaps flagged, e-file-ready CSV in one click.
03 — Why we win
The other guys can't copy this without breaking themselves.
Traditional accounting software is built for bookkeepers. Hate Ledger is built for the person signing the checks. Here's the difference, line by line.
| Capability | Traditional accounting software | Hate Ledger |
|---|---|---|
| Target user | Someone who knows accounting | Someone who runs a business |
| Onboarding | Set up your chart of accounts | Import a CSV or add one account — 10 min |
| Daily view | P&L, Balance Sheet, Cash Flow | One number: what you can safely spend |
| Tax time | Export to your accountant | Reserve is auto-set-aside per deposit |
| Hiring decisions | Not addressed | Human Capital ROI per employee |
| Migration | Weeks of accountant work | CSV import in minutes |
04 — See it happen
Every morning at 8am,
one number.
While you sleep, we sync your accounts, categorize the messy stuff, and set aside taxes. You wake up to a single sentence, not a spreadsheet.
Bank feed synced
3 accounts · 47 new transactions
Auto-categorized
Fuel · Materials · Client deposits
Tax reserve moved
$2,113 → locked sub-account
Morning Number ready
Delivered at 8:00am
Your Morning Number
You can safely spend $4,213 today.
After taxes, payroll, and reserve.
04 — The rest of the business
Get paid, pay bills, know what each job actually earned.
Invoicing & reminders
Send invoices, track what's outstanding, and let automatic reminders chase late payers for you.
Bills & due dates
Every bill with a due date, a weekly digest of what's coming, and alerts before anything goes late.
Job & project costing
What a job billed, what it cost in labor and materials, and the margin that's left — per job.
Bank reconciliation
Match your statement to your books line by line so the numbers you act on are the real ones.
Sales tax by jurisdiction
What you collected, where you owe it, and when each filing is actually due.
Audit trail & month lock
Every change logged, every close signed off, and a printable internal-controls statement for lenders.
See it, then judge it.
Click through a live sample dataset with real numbers in it — no signup, no card.