A three-bucket spend/save/give spreadsheet a kid can update themselves, with an automatic running balance per bucket and a visible savings-goal progress bar.
A three-bucket ledger your kid can update themselves turns saving and giving goals into something visible, not just cash that disappears.
Backed by a 30-day money-back guarantee. If it is not useful, we will refund it, no questions asked.
Cash allowance systems have no record; a week later, nobody remembers how much is actually in the ‘save’ jar versus the ‘give’ envelope, and savings goals quietly stall without anyone noticing.
This spreadsheet logs every allowance, spend, save, or give as its own row, automatically keeps a running balance for each of the three buckets separately, and shows percent progress toward a savings goal you set once, simple enough for a kid to update themselves.
We built this after noticing most kids’ money systems either disappear into a cash envelope with no record, or use an app too complex for a kid to actually run themselves. A simple three-bucket sheet a kid can update is the middle ground.
— DaveWays
Spend, Save, and Give stay in separate running balances automatically.
Simple enough for a child to log their own transactions without doing the math.
A percent-progress view that makes a savings goal feel achievable, not abstract.
What age is this appropriate for?
Any kid old enough to enter a number and read a running balance, typically 7 and up, with a parent helping at first.
Does this handle multiple kids?
Make a copy of the sheet per child so each has their own three-bucket tracker.
Can I use this with a debit card instead of cash?
Yes, log the same transactions regardless of whether the underlying money is cash or in an account.
Kids' Allowance & Money Tracker (Free Preview) — download a condensed version free, no purchase required, to see if it's a fit before you buy.
Kids' Allowance & Money Tracker is $12.99 USD, one-time payment, instant delivery, no subscription. Covered by our 30-day money-back guarantee. See our refund policy and terms.
