Do we need a bank account?
No. Tiny Ledger records the balances and allowance amounts your family enters, without linking a bank account or moving real money.
Allowance, for the whole family
Their money. A record you can both check.
Track allowance, savings, and spending together. You manage the money; your child sees what’s available and what they’re saving toward.
Free to use. No bank account or payment card required.
Can they afford it?
Change the amounts to see when it fits.
Use an amount from $0 to $1,000,000, with up to two decimal places.
4 weekly allowances to go
$12 saved + $40 allowance = $52
Saved balance over timePrice $43
$52saved at week 4
$9 would be left after buying it.
Example only. Assumes the full weekly allowance is saved, with no interest or other spending.
See where the balance came from.
Start with your child’s saved balance and an allowance schedule. Add gifts and purchases as they happen. Cash on hand is counted separately.
Create their login when they’re ready. They can check what’s left, set money aside for a goal, and ask you about a purchase.
See how to set it up →Example account · Maya
| Entry | Amount | Balance |
|---|---|---|
| Starting savings | $20 | $20 |
| Friday allowance | +$10 | $30 |
| Art supplies | −$8 | $22 |
Next goal: $43 Pokémon cards.
With all $22 set aside, another three $10 allowances would cover them.
Before you make an account
Can I track more than one child?
Yes. Parents can create separate child accounts, set different allowance amounts, and track each balance, goal, and transaction history individually.
Can kids see when they can afford something?
Tiny Ledger shows the current balance, upcoming allowance, and savings timeline in one place so you can answer with a date based on their balance and allowance.
Can kids set savings goals?
Yes. Kids can track savings goals, see progress, and understand how weekly allowance and interest affect the timeline to what they want.
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.