SmoothLedger

Introduction to SmoothLedger

SmoothLedger is a privacy-first suite of financial utilities designed for freelancers and small businesses. It provides document generators for invoices, payslips, and quotations, along with calculators for loans and profit margins. All tools run in the browser, with no account creation required.

The platform focuses on fast, professional document creation and clear financial calculations. Templates support branding options such as adding a logo, and export produces print-ready PDFs. Currency and tax settings can be customized to support different regions.

Key Takeaways

• 100% free to use with no watermarks or ads
• No sign-up or credit card required
• Data is processed locally in the browser and can be saved to local storage
• Document generators: invoice, payslip, and quotation
• Financial calculators: loan payments and profit margins
• Professional templates with logo support and pixel-aligned PDF export
• Customizable currency and tax settings
• Suitable for freelancers, contractors, and small teams

How SmoothLedger Works

Document generators follow a straightforward workflow. Users select a tool (invoice, payslip, or quote), choose a template, and enter company, client, or employee details. Line items, taxes, and totals update automatically. Documents can be downloaded as print-ready PDFs.

Calculators provide instant results based on user inputs. The loan calculator estimates monthly payments and total interest. The profit margin calculator helps determine selling price and margin based on cost and desired margin assumptions. Results are displayed immediately in the browser.

Data handling is client-side. Information entered into the tools remains in the browser, and optional saving uses local storage. Because there is no account system, no personal or financial data is transmitted to a server during normal use.

Core Benefits and Applications

SmoothLedger supports common financial tasks without onboarding or data sharing. Freelancers can generate compliant-looking invoices tailored to their currency and tax setup. Small teams can produce payslips quickly for employees or contractors. Quotations help standardize estimates for new projects.

The calculators assist with planning and decision-making. Users can model loan affordability by adjusting principal, rate, and term, and they can evaluate pricing strategies by reviewing margins and target selling prices. The combination of local processing, PDF export, and customizable templates makes it suitable for ad-hoc document creation, recurring billing needs, and privacy-sensitive workflows.

Tool Overview