LedgerPilot: an open-source cashflow copilot for one-person businesses

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LedgerPilot is a small open-source tool built for freelancers and solo business owners who want a quick read on their finances. It takes a CSV export from a bank, Stripe, PayPal, or an accounting tool and produces income, expense, and net-cashflow summaries along with category-level spending signals. A deterministic six-month projection shows expected and cautious-case outcomes, and three plain-language actions are suggested. The numbers are calculated in ordinary code, while an optional local open-weight model, or a built-in fallback, handles the wording of the recommendations. The project runs without a database or bank connection and is deployed as a Python web service on Render.

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