Built for freelancers, by someone who needed it.

Pencil Ledger started with a familiar problem: you finish a project, invoice the client, and have no clear idea whether you actually made money that month. You know you got paid. You're not sure what you owe in taxes. Your expenses are in three different apps. And you're too busy with client work to untangle it.

The accounting software feels like overkill. A blank spreadsheet takes too long to build from scratch. So most freelancers end up squinting at their bank balance and hoping it works out.

The Freelancer Finance OS is the system we built to solve that — income by client, expenses sorted by tax category, a clean invoice board, and a quarterly tax fund that tells you what to set aside as you earn. One Google Sheet (or Excel file). Ten minutes to get running. No monthly fee.

Pencil Ledger is made by Full Coverage LLC, an Indianapolis, Indiana company. Questions or problems, email us at hello@penciledger.com — a real person reads every message.

Know your numbers. Keep your sanity.