Every transaction in one clear ledger
See a running statement of every invoice, payment, credit note and adjustment for each customer and supplier, in any currency. Share a statement in one tap. Free forever.
- Free forever
- Running balances
- Share statements instantly
Free forever · No credit card required · Add modules anytime
Customer ledgers
A running statement per customer: invoices, payments and credit notes with a live balance.
Supplier ledgers
Track bills, payments and debit notes per supplier so you always know what you owe.
Statement of account
Generate and send a statement of account for any date range in one tap.
Always reconciled
Ledgers update from the same entries as your invoices and payments, so they always agree.
Any currency
View balances in USD, EUR, AED, SAR, OMR, INR and more, with correct decimals.
Share anywhere
Send a statement by WhatsApp or email so customers can settle outstanding balances.
What is a ledger
What is a ledger?
A ledger is the running record of all transactions affecting an account, with a balance carried forward after each entry. A customer ledger shows every invoice you raised, every payment received and every credit note, ending in the balance they owe. A statement of account is that ledger presented to the customer for a period. Ledgers are the backbone of knowing who owes what, and to whom you owe.
How it works
One source of truth
In Paper & Pen, ledgers are not a separate spreadsheet, they are built from the same invoices, payments and credit notes you already create.
- Open any customer or supplier to see their full ledger
- Every invoice, payment, credit and debit note appears with a running balance
- Filter by date range for a clean statement of account
- Send the statement by WhatsApp or email in one tap
- Balances always agree with your invoices and accounts
Why it matters
Collect faster, owe nothing twice
When a customer queries a balance, a clear ledger ends the conversation in seconds. When you need to chase, a statement of account is the single most persuasive document you can send. And because supplier ledgers track what you owe, you never pay a bill twice or miss a debit note. One reconciled record, for both sides of your business.
Questions
Everything you need to know
What is a customer ledger?
Are ledgers free?
Can I send a statement of account?
Do ledgers stay reconciled?
Can I see what I owe suppliers?
See who owes what, instantly
Create a free Paper & Pen workspace and get a clean, reconciled ledger for every customer and supplier.
Free forever · No credit card required · Add modules anytime