US Q4 TAX0d 00h 00m 00suntil estimated tax is due, 15 Jan 2027[1]UK SELF ASSESSMENT0d 00h 00m 00suntil the online return is due, 31 Jan 2027[2]AU BAS Q10d 00h 00m 00suntil July to September BAS is due, 28 Oct 2026[3]AU TAX RETURN0d 00h 00m 00suntil self-lodged returns are due, 2 Nov 2026[4]UK LATE FILING£100fine the day after the Self Assessment deadline, then £10 a day after 3 months (up to £900)[5]UK 6 MONTHS LATE£300 or 5% of tax dueextra fine, whichever is greater[5]US FAILURE TO FILE5% a month, max 25%of unpaid tax for each month a return is late[6]US 60+ DAYS LATE$525 or 100% of tax dueminimum penalty, whichever is less (returns due after 31 Dec 2025)[6]AU LATE LODGE$364▲ from $330per 28 days late, up to $1,820, for individuals and small businesses[7]
LedgerReady

Bank statement PDF to a categorised Excel ledger

LedgerReady converts bank statement PDFs into a categorised Excel ledger: every transaction with date, description, amount and category, plus a check that opening balance + transactions = closing balance for each statement. From $20 for 100 transactions.

What you should know

  • Most banks' downloaded statements are text-based PDFs, which can be read exactly; scanned paper statements need OCR and produce more items to check.
  • Statements print money out in different ways: separate withdrawal and deposit columns, a running balance, or sections headed 'Deposits' and 'Withdrawals'. We use the running balance or section to get every sign right.
  • The reconciliation check catches a missed or misread line immediately, because the total no longer equals the statement's own closing balance.
  • Transfers between your own accounts are tagged so they do not inflate income or expenses.

What LedgerReady delivers for this

A categorised ledger, P&L summary, reconciliation check and the import files you need. On our synthetic test set (two sample businesses the rules were never tuned on, 317 transactions): 100.0% of transactions extracted exactly, 10 of 10 statements reconciled to the penny, 89.6% categorised correctly first time, 14.2% sent to you to confirm, 2.2% wrong without a flag (7 of 317). Every flagged row needs a human review before import. How we measured.

Get a free 20-transaction sample See a before/after sample

How to get a categorised ledger from bank statement PDFs

  1. Download PDFs. Download each monthly statement PDF from online banking (not a screenshot).
  2. Redact. Black out the full account number; keep the last 4 digits.
  3. Send. Email them to LedgerReady with your software and business type.
  4. Review. Answer the short 'please confirm' list in the ledger you get back.

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