Most budget templates make you build the system before you can use it — a spreadsheet you have to wire formulas into, or a Notion page you have to configure from scratch. Ledger skips that step. Open the file and you already have a live dashboard: income, spending by category, a savings goal tracker, and a running transaction ledger, all calculating automatically. No account. No setup. No formulas to break. It's a single file that opens in any browser.