Made for teens with an iPhone and Apple Pay

Know where your money goes. Without tracking a thing.

TeenLedger logs every Apple Pay tap for you. Every Sunday you get one short text: what you spent, where it went, and one tip to keep more of it.

Start for $3 a month See how it works
✓No bank login ✓2 minute setup ✓Cancel anytime
TeenLedger
Sunday 5:00 PM
TeenLedger Sunday check, Maya: Spent $46.20 on 9 buys ($3.80 under your $50 budget). Top: Food & Drinks $24.10, Shopping $14, Games & Fun $8.10.
Tip: Food and drinks were 52% of your spending. Skipping 2 of those buys a week saves about $23 a month.
ok that's a lot of boba
6 lunch
TeenLedger logged $6 for lunch. This week: $6 of $50.
$Starbucks $5.45
logged automatically
!80% of budget used
$10 left this week
Sound familiar?

You had $60 on Friday. By Monday it was $9.

Apple Pay makes spending one tap. That is great until you have no idea where the money went. TeenLedger keeps the receipts for you, so you never have to.

"I thought I spent like $20 on food. It was $71."
"I want to save for a car but I never know what I actually spend."
"Budget apps want my bank password. No thanks."
How it works

Set it up once. Then forget about it.

Three steps on your iPhone. No app to download, no bank account to link.

1

Sign up with Apple Pay

First name, phone number, weekly budget. Pay $3 with Apple Pay or a card.

30 seconds
2

Turn on auto logging

Add the TeenLedger Shortcut and switch on one iPhone automation. Every Apple Pay tap now logs itself.

90 seconds
3

Get your Sunday text

A clear weekly summary with your top categories, your budget, and one tip you can actually use.

Every Sunday
What you get

Real benefits, not another app to ignore

✉

A money check every Sunday

Total spent, number of buys, top 3 categories, and how you did against your budget. Takes 30 seconds to read.

⚠

Heads up before you overspend

A text when you hit 80% of your weekly budget, and another if you go over. No surprises on Friday night.

★

Tips based on your real spending

Not generic advice. If drive thru runs are eating your money, you will see exactly how much cutting two a week saves.

☰

Your own money page

See this week by day and by category, add cash buys, change your budget, and cancel in one tap.

Try it

How much could you keep?

You would keep
$69

a month, or $832 a year. That covers a concert ticket and merch.

TeenLedger costs $3 a month. Most people save that in the first week.

Private by design

What TeenLedger sees

  • ✓The amount and store name of each Apple Pay tap
  • ✓Your first name and mobile number
  • ✓Cash buys you choose to add
Never

What TeenLedger never sees

  • ✕Your bank login or card number
  • ✕Your location or contacts
  • ✕Anything sold to advertisers. Ever.
Pricing

Less than one coffee a month

One plan with everything. Cancel anytime from your money page.

Monthly
$3 / month
  • ✓Automatic Apple Pay logging
  • ✓Sunday money text
  • ✓Budget alerts and tips
Choose monthly
Save $6
Yearly
$30 / year
  • ✓Everything in monthly
  • ✓2 months free
  • ✓One payment, done
Choose yearly
Get started

Start in 30 seconds

Next you pay with Apple Pay, then we walk you through the 90 second setup.

Secure checkout by Stripe. Apple Pay, cards, and Google Pay accepted.

FAQ

Questions

Do I have to link my bank account?

No. TeenLedger uses an iPhone Shortcut that runs when you tap to pay. It only sends the amount and store name. We never ask for a bank login or card number.

What does setup actually look like?

After you pay, your setup page shows two things to tap: add the TeenLedger Shortcut, then turn on a Wallet automation in the Shortcuts app. It takes about 90 seconds and the page tells you the moment it is connected.

What about cash or online purchases?

The automation catches in store Apple Pay taps. For cash or anything else, add it on your money page in two taps, or text it to us, like "6 lunch".

Does it work on Android?

Not yet. TeenLedger needs an iPhone with Apple Pay set up in Wallet and iOS 17 or newer.

Can I cancel?

Yes, anytime, in one tap on your money page. You can also delete all of your data there.

Who runs TeenLedger?

TeenLedger is a student run business based in Central Ohio. We built it because we had the same "where did my money go" problem.