Bookkeeping for solo Canadian operators.

Yes. No credit card and no time limit. Manual + CSV bank import, GST and PST tracking, the Handbook, reports, CSV export, and the accountant handoff pack are all included. The 100-entry cap flips the workspace to read-only for new commits; reports, exports, handoff pack, and your data stay available, always. Solo unlocks automatic bank sync, Ledg AI cleanup, MCP access for Claude / ChatGPT, and the entry cap.

Yes. Pick "Sole proprietor" at signup and Ledg branches the experience: T1 + T2125 deadlines (April 30 / June 15) instead of T2; Owner Draw and Owner Investment labels instead of Owner Withdrawal and Owner Deposit; calendar fiscal year forced (CRA requires it); minute book section disappears from the sidebar. Same Stage / Ledger / receipts in your Drive / handoff pack underneath. Pricing is the same. If you incorporate later, you start a new corp record under the same login and the prior books stay intact for T1 reference.

Yes, on the Solo plan. Ledg ships an MCP server (model context protocol) so you can add Ledg as a connector in Claude.ai, Claude Desktop, ChatGPT, or Cursor. Twelve read-only tools today (list corporations, get sales, get expenses, get sales tax collected, list deadlines, find uncategorized, etc.). Ask "what was Q1 GST collected?" or "any uncategorized this week?" in your AI client and get real numbers from your books. Setup is a 3-step OAuth from /connect-ai. Free accounts can see the connector landing page but can't mint a token until they upgrade.

No. Filing stays your accountant's job (or yours via TurboTax / SimpleTax). Ledg's job is to keep the books clean and produce the numbers the filing needs: the GST34-2 line numbers ready to paste into CRA My Business Account, a per-quarter PST/RST/QST summary, and a CPA handoff pack with general ledger / trial balance / bank reconciliation in one zip. We've decided NOT to pursue direct CRA filing. The bookkeeping + handoff loop is the wedge.

Solo only. When a transaction lands in Stage, Ledg AI cleans the cryptic bank descriptor into a readable vendor name ("SQ *DARK HORSE COFFEE" becomes "Dark Horse Coffee") and proposes a category from your Canadian chart of accounts. You review and edit every Stage entry before it touches the ledger; nothing posts automatically. Suggestions are remembered per vendor, so the next "Dark Horse Coffee" lands already coded. The model never sees your bank credentials or personal data; only the descriptor and amount of each transaction. Free can still categorize manually with the dropdown.

Plaid is a per-connection cost we pay every month an account stays linked. Putting it on Solo keeps the math sane and Free genuinely free. If you want to test Ledg without paying, import your bank's CSV; the same Stage-and-commit workflow works either way.

Any committed entry: a purchase, a sale, a transfer. Staged entries pending review do not count. Deleted entries do not count. Split entries (one expense across two accounts) count as two.

No. Invite your CPA from Settings → Sharing. They get read-only access to your ledger, statements, and reports without creating their own account or counting against your plan. Works on both Free and Solo.

Upgrade, downgrade, or cancel from Settings → Billing in one click. If you downgrade from Solo to Free with more than 100 entries, your workspace flips to read-only for new commits until you trim or re-upgrade. Bank sync stops at the next sync. No data is deleted.

Annual is $24 CAD per year, equivalent to $2 per month, billed as one payment. Monthly is $4 CAD per month. Annual saves you 50 percent. GST is included in the price and itemized on the invoice. Charges are auto-refunded for 24 hours after the initial payment if you change your mind; after that, cancel any time from settings to stop future renewals.

Your books live on servers in Canada. We comply with PIPEDA. Data is encrypted at rest (AES-256) and in transit (TLS 1.3). We never sell your data and we never use it to train public models. Plaid bank credentials never touch our servers; you authenticate with your bank inside Plaid's widget. Receipts and minute-book documents live in your own Google Drive, not ours, so cancelling Ledg never strands your originals.