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.
A family allowance tracker
Little money. Big plans.
For saving, spending, and figuring out what comes next. You manage the money; your child can see what they have and what they’re saving toward.
Free to use. No bank account or payment card required.
Allowance calculator
What are they saving for?
Try an example, or make the amounts your own.
Use an amount from $0 to $1,000,000, with up to two decimal places.
4 more allowances
$12 saved + $40 allowance = $52
Enough for the $43 purchase, with $9 left.
Saved balance over timePrice $43
NowFirst affordable: week 4Week 8
Saved nowWith allowance
$52saved at week 4
What if they earn a little extra?
Try adding $5 from a job to see how the timing changes.
What happens after buying?
Use the timeline to choose a week, then try the purchase.
$9 would be left after buying it.
Example only. Assumes the full weekly allowance is saved, with no interest or other spending.
One record, shared with your child
You keep track. They start making plans.
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 →Maya’s money
Example account · $10 allowance each Friday
Saved balance$22
Money her parent keeps track of. Cash on hand is separate.
| Entry | Amount | Balance |
|---|---|---|
| Starting savings | $20 | $20 |
| Friday allowance | +$10 | $30 |
| Art supplies | −$8 | $22 |
Next up: $43 Pokémon cards.
Maya can set her $22 aside and save three more $10 allowances.
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.