FINANCIAL TECH
Every Dollar Tracked.
Every Detail Counted.
Smart Ledger is Loti’s DIY financial tracking suite, built to give homeowners complete visibility into the wide range of costs that come with recovering from a property loss—from the initial claim estimation to the full rebuild and beyond.
Lost Items
Smart Ledger lets you thoroughly document every lost or damaged item by recording original purchase details, applying depreciation based on age, brand, and condition, and attaching receipts, appraisals, or warranty info. You can also track repair efforts for items being restored, giving you a complete picture of your property loss. Everything is neatly organized by category and location, creating a clear, claim-ready inventory.
Lost Items
Smart Ledger also helps you log replacement items and new purchases made during the recovery process. You can record where and when each item was bought, its cost, and link supporting documents like receipts or product specs. This makes it easy to track spending, compare against insurance reimbursements, and ensure your claim reflects your actual recovery progress.
Replacements
Replacements
Replacements
Services
For services, Smart Ledger covers everything from debris removal and home repairs to architect fees, landscaping, equipment rentals, and more.
Estimates, invoices, and receipts are intelligently nested, helping you track what’s been paid, what’s pending, and what remains outstanding—keeping your financials both claim-ready and organized from a homeowner’s perspective.
Services
Smart Ledger can monitor changes in utility expenses between your damaged home and temporary housing—like internet, gas, electricity, and water—and track additional travel costs for commutes, school drop-offs, or daily errands due to a new location. It also supports documentation of income loss, such as missed rent from tenants or lost wages for business owners.
Special Entries
Special Entries
This is for EVERYONE
Not just for disasters—Smart Ledger is built for everyone. Whether you’re maintaining your home, managing expenses, or tracking a remodel or addition, it gives you the tools to stay financially organized and informed year-round.
NOT JUST FOR CLAIMS
Log ongoing or completed repair work for items that are being restored instead of replaced—helping you track both the financial and physical recovery of personal property.
REPAIR TRACKING
Attach receipts, appraisals, warranty cards, or product images to each item entry for easy claim support.
SUPPORTING DOCS
Record the original price, purchase date, store/vendor, and any known warranty or coverage info.
PURCHASE INFO
Log each lost or damaged item and match it to a comparable replacement, including model, size, and other specs.
ITEM MATCHING
Built-in depreciation calculations apply age, condition, and brand data to automatically calculate a depreciated value using Loti’s custom logic.
DEPRECIATION
Running on a relational database system that dynamically links data points enabling real-time cross-referencing, status tracking, and audit-ready reporting across the entire recovery lifecycle.
DATABASE TECH
PRODUCT FEATURE SET
Record and compare utility bills—such as electricity, gas, water, and internet—between your damaged home and temporary housing to support reimbursement
COST COMPARE
Flag whether a replacement item is a like-for-like substitution or an upgrade, helping clarify what’s reimbursable under your policy and what may be considered an out-of-pocket improvement.
UPGRADES
Organize items by category (furniture, electronics, tools, etc.) and physical location within your home to keep everything tidy and searchable.
CATEGORIZE
By bringing everything into one intuitive system, Smart Ledger turns a chaotic recovery into a clear, organized process—helping you stay in control, document your claim, and maximize reimbursement.
