Allowance tracking
Set a recurring allowance so kids can see what steady money coming in actually means.
Free family allowance tracker
When your kid asks for something, show them when they can afford it
Set the allowance, show the balance, and let the math answer the question for you.
- Weekly allowances without a bank account
- Savings goals kids can actually follow
- Transaction history, cash tracking, and parent controls
Why families use Tiny Ledger
Make money conversations concrete
Instead of debating every purchase, parents can point to the balance, the weekly allowance, the savings timeline, and the account history behind it.
Savings goals
Show a target amount and visible progress so “not yet” feels understandable instead of arbitrary.
Parent controls
Parents stay in charge while kids get their own dashboard, balance, and money history.
Cash tracking and interest
Families can track cash separately and use interest to show why saving early changes the timeline.
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.