Recurring allowances
Run weekly, biweekly, or monthly allowances automatically so balances move on a real schedule.
Free family allowance tracker
When your kid asks for something, show them when they can afford it
Put their balance, weekly allowance, and item cost on one screen. Tiny Ledger shows when the goal is covered, what gets them there, and what happens next.
What the app actually does
More than one calculator
Tiny Ledger keeps the question at the center, but it also gives families the ledger, controls, and routines around that answer.
Kid dashboard
Kids get a simple view of balance, goals, upcoming deposits, and the timeline to what they want.
Parent controls
Parents control settings, balances, deposits, and account access while the rules stay visible to kids.
Savings goals
Targets, progress, and projected dates make “not yet” specific instead of arbitrary.
Cash and ledger history
Track cash separately and keep every deposit or withdrawal visible for both parent and child.
Interest and growth forecasts
Show how allowance and interest change the path so saving early feels concrete, not abstract.
How it works
Set the rule once, then let the app carry it
Set the allowance
Choose the amount, schedule, and whether interest is part of the lesson.
Give kids a dashboard
They can check their balance, goals, and forecast before they ask.
Keep the history visible
Every allowance, interest payment, and manual change stays in the ledger.
FAQ
Questions parents ask before they start
These are the common setup and trust questions families ask before using Tiny Ledger.
Do I need a bank account to use Tiny Ledger?
No. Tiny Ledger uses virtual balances so kids can practice saving, spending, and waiting without linking a bank account or card.
Can each child have their own balance?
Yes. Parents can create separate child accounts, set different allowance amounts, and track each balance individually.
What happens when my kid asks for something expensive?
You can point to the balance and the savings timeline instead of debating. Tiny Ledger makes the timing visible so the answer feels clear and fair.
Is Tiny Ledger free?
Yes. Tiny Ledger is free to use for families and does not require a bank account, card, or subscription to get started.