Plan it, bill it, collect it, and know why it changed — in one place. Ledger connects your targets, forecast, invoices, collections and cash, and an AI that shows its working.
Shown: Kestrel Analytics, a demo company, on 15 Oct 2026. Every number below comes from its books.
The loop
An invoice is revenue the moment it is issued. A bank line is cash the moment it lands. So the forecast rolls forward on its own — no imports, no month-end rebuild.
Kestrel Analytics, FY26-27 to 15 Oct 2026. Bars are measured against the year’s target.
Understand
Every morning Ledger reads the whole loop and writes down what moved, why, and what to do about it. Each sentence links to the invoices, deals and bank lines behind it.
Good morning. Here is what changed.
3 Route deals slipped out of the quarter they were planned in, taking ₹8.5 L with them. Route conversion is down 11.1% quarter on quarter.
3 invoices are trending late — ₹8.4 L of expected cash is at risk.
Sep 2026 operating expenses were ₹42.8 L against a ₹40 L budget. Contractors (+₹1.8 L) and Cloud (+₹90K) explain 96% of it.
Fleet is 12.0% ahead of target for the year to date.
Recommended: Review the proposed reforecast (−₹18.2 L) and follow up on the 3 high-risk invoices.
Figures computed by the Ledger engine as of 15 Oct 2026. Sentences written from the engine's facts.
Plan & forecast
Set a target per product. Actuals arrive from invoices; the forecast carries the rest of the year. One number for the company, a clear story underneath it.
| Month | Route | Fleet | Insights | Target |
|---|---|---|---|---|
| 2026-04 actual | ₹16,50,000 | ₹5,30,000 | ₹2,38,000 | ₹24,00,000 |
| 2026-05 actual | ₹17,60,000 | ₹5,80,000 | ₹2,62,000 | ₹26,00,000 |
| 2026-06 actual | ₹18,50,000 | ₹6,15,000 | ₹2,74,000 | ₹27,50,000 |
| 2026-07 actual | ₹19,10,000 | ₹6,40,000 | ₹2,87,000 | ₹28,50,000 |
| 2026-08 actual | ₹19,60,000 | ₹6,60,000 | ₹2,93,000 | ₹29,50,000 |
| 2026-09 actual | ₹18,40,000 | ₹6,82,000 | ₹3,02,000 | ₹30,00,000 |
| 2026-10 forecast | ₹18,10,000 | ₹6,80,000 | ₹3,05,000 | ₹30,50,000 |
| 2026-11 forecast | ₹18,22,500 | ₹6,94,000 | ₹3,10,500 | ₹31,00,000 |
| 2026-12 forecast | ₹19,06,625 | ₹7,13,000 | ₹3,16,500 | ₹31,50,000 |
| 2027-01 forecast | ₹24,73,875 | ₹7,42,000 | ₹3,26,437.50 | ₹32,00,000 |
| 2027-02 forecast | ₹25,04,500 | ₹7,73,250 | ₹3,36,375 | ₹33,50,000 |
| 2027-03 forecast | ₹25,35,125 | ₹7,95,500 | ₹3,43,812.50 | ₹36,00,000 |
Click any figure in Ledger to drill: product → month → the invoices and deals that make it up.
Revenue → invoice → cash
Meridian Ports & Terminals Ltd paid ₹25,000 less than the invoice. Most tools call that partly overdue. Ledger knows it is TDS, marks the invoice paid, and tracks the TDS until it shows up in your tax statement.
AI at work
Ask a real question and watch the work: what it examined, what it found, the scenario it built and the impact the engine computed. It ends in a proposal — not a change.
Examined the Q4 forecast
Identified the drivers
Built a scenario
Computed the impact
Cash
Import statements from HDFC, ICICI, Axis or Kotak. Ledger reconciles every line, projects the next thirteen weeks, and warns you long before the floor.
| Week | In | Out | Closing |
|---|---|---|---|
| 15 Oct 2026 | ₹4,26,008.32 | ₹5,79,580.37 | ₹1,80,46,427.95 |
| 22 Oct 2026 | ₹0 | ₹0 | ₹1,80,46,427.95 |
| 29 Oct 2026 | ₹11,11,498.84 | ₹26,65,000 | ₹1,64,92,926.79 |
| 5 Nov 2026 | ₹8,41,389.82 | ₹10,41,666.67 | ₹1,62,92,649.94 |
| 12 Nov 2026 | ₹1,40,219.99 | ₹2,80,000 | ₹1,61,52,869.93 |
| 19 Nov 2026 | ₹7,31,600 | ₹5,74,275.32 | ₹1,63,10,194.61 |
| 26 Nov 2026 | ₹0 | ₹22,00,000 | ₹1,41,10,194.61 |
| 3 Dec 2026 | ₹32,23,805.31 | ₹13,11,666.67 | ₹1,60,22,333.25 |
| 10 Dec 2026 | ₹0 | ₹4,75,000 | ₹1,55,47,333.25 |
| 17 Dec 2026 | ₹0 | ₹5,80,788.63 | ₹1,49,66,544.62 |
| 24 Dec 2026 | ₹0 | ₹22,00,000 | ₹1,27,66,544.62 |
| 31 Dec 2026 | ₹33,48,247.38 | ₹13,11,666.67 | ₹1,48,03,125.33 |
| 7 Jan 2027 | ₹0 | ₹1,95,000 | ₹1,46,08,125.33 |
In the “Revenue −12%” scenario, runway falls from 14.2 months to 10.7 months. ₹8.4 L of expected collections is already at risk.
Financial control
Every change with a financial consequence waits in one queue, with who proposed it, through what, and what it will do. The person who proposed a change can never approve it.
Proposed by Asha Iyer via Claude
Re-times the 3 slipped deals to their new close dates and applies Route's latest conversion rate (11.1% lower) to the rest of the quarter.
| Line | Now | Proposed |
|---|---|---|
| Jan · Route | ₹24.7 L | ₹18 L |
| Feb · Route | ₹25 L | ₹19 L |
| Mar · Route | ₹25.4 L | ₹20 L |
Bring your own Claude or ChatGPT
Connect it to Ledger in two clicks. It acts as you — never with more rights than you have — and its proposals land in the same queue.
Built in India, for companies that move fast. GST, TDS and lakh-crore are not add-ons.