Cavendish Ledger

Your expenses, your bank feeds, and your tax bill, in one ledger.

Part of Cavendish. Cavendish Ledger is the part of Cavendish that keeps the books. It holds an expense and income ledger through the year, maps every transaction to the line of the US federal return it feeds, shows your estimated tax any day you ask, plans quarterly payments, bills your clients, and at year end produces a filing package your preparer can work from. Tell Cavendish an expense and it lands here; or use the Ledger on its own in a browser.

Request an invitation Open Cavendish Ledger

What it looks like

Real pages from Cavendish Ledger, with sample data loaded. Nothing is mocked up.

The dashboard for a tax year: federal refund, business net profit, transactions still to categorise, and the next steps.

The federal estimate: a Form 1040 worksheet, line by line, updated as entries are added.

Quick add: one typed sentence becomes an expense, with date, amount, category, and purpose filled in for review.

What it does

Part of Cavendish: tell the assistant an expense, a trip, or a payment and it is recorded here. Or use the Ledger on its own in a browser.
Connect checking, savings, and credit cards through a read-only feed, or import statements as CSV.
Rules learn your merchants, so the same coffee shop never asks twice.
A Form 1040 worksheet that updates as you go: Schedule C, capital gains, deductions, credits, and self-employment tax.
Quarterly estimated-tax planner with safe-harbor checks.
Invoices with payment tracking; each payment lands in the ledger as income with one click.
Balances, card due dates, fees, duplicates, and new subscriptions, checked from the same feed.
A tax advisor that ranks the moves that keep the most money after tax, each with its legal authority and the records to keep.
Year-end package: 1040 worksheet, Schedule C, Schedule A inputs, capital gains, mileage log, payments, and a checklist.
Quick add on your phone: one typed or spoken sentence becomes a ledger entry.

Who it is for

Freelancers, contractors, and owners of small businesses who file a US federal return and want to know where they stand before April.

How it works

First, link your accounts or import statements. The Ledger never logs in to a bank and never asks for the permissions that move money.
Then, fix what the rules missed, once. Add a rule and that merchant is categorised forever.
Next, check your estimate, what-if scenarios, and the advisor whenever you like, in the browser or by asking Cavendish.
After that, at year end, review the blockers, close the year, and hand the package to your preparer or tax software.

Pricing

Prices in US dollars. Pay monthly or yearly. Cancel any time.

Plan	Price	What it includes
Free	$0	Track expenses, import statements, and see your federal estimate. Manual entry and CSV import Auto-categorization rules Federal tax estimate Filing review checklist Up to 300 transactions per tax year Supported by ads
Plus	$7 a month or $59/year	Connect your bank and cards. Everything syncs. Everything in Free Bank and credit card sync, with balances and card checks Unlimited transactions Receipt storage Invoices with payment tracking Quarterly estimated-tax planner No ads
Pro	$15 a month or $129/year	Year-end processing and state tax, ready for your preparer or software. Everything in Plus Tax advisor: ranked moves that keep more money after tax Investment holdings by tax lot, with gain, loss, and wash-sale checks Year-end filing package (1040 worksheet, schedules, CSVs) Year close and lock State income tax estimate (Colorado) Multi-year history and carryforwards Priority support

Accounts are opened by invitation while we bring on our first customers. Ask for one and we will reply personally.

Cavendish Ledger produces worksheets and estimates. It does not file returns, and its figures must be verified against the IRS forms and instructions for the year, or with a tax professional.