LedgerPilot: a private cashflow copilot for the one-person business

Description and use

LedgerPilot gives freelancers a quick cash‑flow review with summaries, projections, and action plans from CSV exports, running locally or on Render.

Problem

Freelancers and one-person businesses need a quick way to assess monthly cash health, runway, and next actions without a full accounting dashboard.

Outcome

Users can quickly understand cash health, runway, and next steps with a lightweight tool that runs locally or in the cloud, preserving privacy and reducing cost.

Workflow

• Upload CSV with columns date,description,amount,category
• Server parses CSV and calculates income, expenses, category totals, net cashflow, volatility, runway
• Deterministic forecast generates six‑month projection
• If Ollama is configured, model generates JSON action plan; otherwise deterministic fallback is used
• Frontend displays summary, forecast, and action plan
• User reviews and acts on recommendations

Evidence

LedgerPilot is a small cashflow copilot for freelancers and one-person businesses.

Source

It takes a CSV export from a bank, Stripe, PayPal, or accounting tool and turns it into: a clear income, expense, and net-cashflow summary – category-level spending signals – a six-month expected and cautious-case projection – three specific actions, written in plain language

Source

The server parses the CSV and calculates the facts: income, expenses, category totals, monthly net cashflow, average monthly change, volatility, and runway

Source

If OLLAMA_URL is configured, LedgerPilot uses Ollama and the qwen2.5:3b model by default

Source

The app has no database and does not require a bank connection

Source

It is deployed as a Python web service on Render, with /api/health used as the health check

Source