diff --git a/src/integrations/supabase/types.ts b/src/integrations/supabase/types.ts
index ecb0ec9..5be89d8 100644
--- a/src/integrations/supabase/types.ts
+++ b/src/integrations/supabase/types.ts
@@ -2349,6 +2349,36 @@ export type Database = {
           },
         ]
       }
+      ledger_templates: {
+        Row: {
+          created_at: string
+          created_by: string | null
+          description: string | null
+          entries: Json
+          id: string
+          name: string
+          updated_at: string
+        }
+        Insert: {
+          created_at?: string
+          created_by?: string | null
+          description?: string | null
+          entries?: Json
+          id?: string
+          name: string
+          updated_at?: string
+        }
+        Update: {
+          created_at?: string
+          created_by?: string | null
+          description?: string | null
+          entries?: Json
+          id?: string
+          name?: string
+          updated_at?: string
+        }
+        Relationships: []
+      }
       message_attachments: {
         Row: {
           created_at: string
diff --git a/supabase/migrations/20260426083507_ae86d25d-80c2-400c-bebd-31fce1634d09.sql b/supabase/migrations/20260426083507_ae86d25d-80c2-400c-bebd-31fce1634d09.sql
new file mode 100644
index 0000000..d0d544d
--- /dev/null
+++ b/supabase/migrations/20260426083507_ae86d25d-80c2-400c-bebd-31fce1634d09.sql
@@ -0,0 +1,31 @@
+-- Reusable ledger templates: a named bundle of ledger entry definitions
+-- that can be applied to any homeowner collection ledger.
+CREATE TABLE public.ledger_templates (
+  id uuid PRIMARY KEY DEFAULT gen_random_uuid(),
+  name text NOT NULL,
+  description text,
+  entries jsonb NOT NULL DEFAULT '[]'::jsonb,
+  created_by uuid,
+  created_at timestamptz NOT NULL DEFAULT now(),
+  updated_at timestamptz NOT NULL DEFAULT now()
+);
+
+ALTER TABLE public.ledger_templates ENABLE ROW LEVEL SECURITY;
+
+CREATE POLICY lt_select_auth ON public.ledger_templates
+  FOR SELECT TO authenticated USING (true);
+
+CREATE POLICY lt_insert_auth ON public.ledger_templates
+  FOR INSERT TO authenticated WITH CHECK (auth.uid() IS NOT NULL);
+
+CREATE POLICY lt_update_owner ON public.ledger_templates
+  FOR UPDATE TO authenticated
+  USING (is_admin(auth.uid()) OR created_by = auth.uid());
+
+CREATE POLICY lt_delete_owner ON public.ledger_templates
+  FOR DELETE TO authenticated
+  USING (is_admin(auth.uid()) OR created_by = auth.uid());
+
+CREATE TRIGGER trg_ledger_templates_touch
+  BEFORE UPDATE ON public.ledger_templates
+  FOR EACH ROW EXECUTE FUNCTION public.tg_set_updated_at();