Skip to content
TrackerMaster

Ledger · Cash + Save + Debts

Budget tracker app with debt payoff and savings goals

Ledger puts your budget, your savings goals and your debt payoff in one web app, not a spreadsheet. No Google account, no copying templates, no broken formulas. Open it on your phone or your computer and your data is the same on both.

Get Ledger on EtsySee all trackers

$14.99 once on Etsy · lifetime access · phone and desktop

Ledger budget tracker app: cash flow, savings and debt in one interactive web app

What it does

Everything Ledger does

  1. Cash flow, monthly or weekly

    Income in, expenses out, and what is left, viewed by month or by week.

  2. Category insights

    Spending by category, with the change from last month.

  3. Savings goals

    Targets for each goal and your progress toward them, with pool-based allocation across goals.

  4. Debt payoff

    Every debt in one list, with each payment split into interest and principal.

  5. Payoff curves and history

    A payoff curve for each debt and the full record of payments you have made.

  6. Recurring income and expenses

    Templates for the paychecks and bills that repeat, so you are not retyping them.

Real screens

Ledger on a phone

  • Ledger Today screen on a phone showing net worth, spending this month and a safe-to-spend amount per day
    Today
  • Ledger Savings and Debts screen on a phone showing total savings, total debt and an emergency fund goal at 62 percent
    Savings and debts
  • Ledger Cash Flow screen on a phone showing income, expenses and what is left for the current paycheck
    Cash flow

Who it's for

Is Ledger right for you?

Ledger is for anyone running their money across three separate spreadsheets, or a budget template they keep having to repair. You log a payment once, and your cash flow, savings and debt balances all update. You do not need Google Sheets or Excel.

How buying works

Buy once, use it for life

  1. Buy on Etsy

    Etsy gives you a PDF download straight away. Nothing is shipped.

  2. Redeem your order

    Open the redeem link in the PDF, or go to trackermaster.app/redeem, and enter your Etsy order number.

  3. Start tracking

    Create your account and open Ledger. It stays on your account for life and works in any current browser on phone and desktop.

A web app, not a spreadsheet: no Google account, no template to copy, nothing to install. Already own a TrackerMaster tracker? Use the same email and Ledger joins your existing account.

Questions

Ledger FAQ

Is Ledger a spreadsheet or a template?
Neither. Ledger is a web app you open in your browser. There is nothing to copy and no formulas to keep working, and you do not need Google Sheets or Excel.
Does it work on my phone?
Yes. Open it in any current browser on your phone, tablet or computer. Your data is saved to your account, so it is the same on every device.
How do I get Ledger after buying?
Etsy gives you a PDF download straight away. Go to trackermaster.app/redeem, enter your Etsy order number, and create your account. If you already own a TrackerMaster tracker, use the same email and it joins your existing account.
Is there a subscription?
No. You pay once on Etsy and Ledger stays on your TrackerMaster account for life. There is no recurring charge.
Who can see my financial data?
Only you. Your tracker contents live on your account behind row-level security. We do not sell your data, share it for advertising, or train AI on it.

Ledger, $14.99 once.

Lifetime access on your TrackerMaster account. Questions first? Message the shop on Etsy.

Get Ledger on EtsySee all trackers