Questions, Answered
The answers, before you have to ask.
What The Ledger is, what it costs, what stays free, and why we will never touch your bank login. If a question isn’t here, write to us and it will be.
The Ledger
What the thing actually is, and how you get into it.
The Ledger is our money app — a payoff plan, weekly check-ins, milestones kept like keepsakes, and a budget you’ll actually stick with. Headspace, for your finances.
It is a web app. It opens in any browser on any device — your phone, your laptop, the tablet in the kitchen — so there is nothing to install and nothing to keep updated. You sign in and it is there, current, waiting.
Yes — in any modern browser. Safari, Chrome, Edge, Firefox. Phone, tablet, laptop, Chromebook, the work computer you shouldn’t be using for this.
It is built for the small screen first, because most of this happens in bed at eleven at night rather than at a desk. Save it to your home screen and it opens like anything else on your phone.
For the tools, yes — an account is what keeps your numbers where you left them when you close the tab and come back on Thursday. It is free to make, and the free tools stay free with it.
For the education library, no. Read the whole thing signed out, forever, without giving us so much as an email address.
Because we never connect to your bank, and that was a decision, not an oversight. Manual entry is the price of that position — and it turns out to be the feature.
Typing your own numbers takes a few minutes a week and does the one thing an automatic feed never does: it makes you look. The balance you enter yourself is a balance you have actually seen.
The Money
What’s free, what costs, and exactly what happens on the day it renews.
Three tools, complete and yours without a card:
- Snowball vs. Avalanche Calculator — the full thing, not a teaser.
- No-Spend Challenge — also the full thing.
- A starter budget — the current month, up to four categories.
Free forever. Not a trial — the door’s just open.
The education library is free too, and always will be.
$12 / month · $89 / year
The year comes out $55 below paying by the month — that is the whole pitch, and we’ll leave it there.
The first 100 members at launch become Founding Members: the same $89 a year, with the price locked so it never rises for them.
No bank connections. No hidden fees. Cancel in two taps.
The full breakdown lives on the pricing page.
No. A reminder email lands before any renewal charge — monthly or yearly — so nothing turns up on your statement as a surprise. Founding Members renew at $89, the same as they always have.
Two taps, from your profile. No phone call, no retention offer, no screen asking whether you’re sure you want to give up on yourself.
You keep access until the period you paid for runs out, and the free shelf stays open to you afterwards. Your numbers stay in your account, waiting, in case you come back.
Card, Apple Pay, or Google Pay. Payments run through Paddle, who handle the money for us — your card details go to them and stop there. We never see the number, and we never store it.
Paddle is what’s called a merchant of record, which means they are the seller on the receipt and they handle the sales tax. It also means the one thing we’d most hate to lose — your card number — is never ours to lose.
The first 100 members at launch pay $89 a year — and that price is locked. It never goes up for them.
We will raise the price eventually; every business does. When we do, it won’t reach you. You carry on paying $89 for as long as you stay a member, while everyone joining after you pays whatever it costs by then.
To be straight with you about what it is: a price protection, not a one-time payment. You still renew yearly. The lock holds while your membership is active — cancel and come back later, and you rejoin at the going rate. The exact terms are in our Terms & Conditions.
You have 30 days from any charge to ask for your money back, and you get all of it.
No questions. No form. No one on the other end asking what went wrong or offering you a discount to stay. Email us with “Refund” in the subject line and that is the entire process — you do not owe us a reason.
It applies to every charge, not just your first: each renewal gets its own fresh 30 days. Refunds run through Paddle, who handle our payments, and go back to the card you paid with, usually inside 5–10 business days.
Your Data
The part most companies bury. Ours is the part we’d lead with.
No, and we never will. No Plaid. No screen scraping. No “read-only” linking that reads a great deal more than it says. We never collect account numbers, routing numbers, or banking logins — there is no field to put them in.
This is a position, not a limitation. There is nothing here for anyone to sell, leak, or lose, because we never held it in the first place.
You. Your numbers sit in your account, in a US-region database, and they are not sold, traded, or handed to advertisers. We don’t read your balances for fun and we don’t build a profile out of them.
The whole policy, in plain language, is in our Privacy Policy.
You can delete it yourself, from your profile, straight away — there is no maze of screens in front of it asking you to reconsider. If you would rather we did it, email [email protected] with “Data Deletion Request” in the subject line. We answer within 30 days and usually far sooner.
No. That work is yours and we treat it that way.
When you cancel, we keep your data warm for 12 months — every debt, every category, every month you tracked, sitting exactly where you left it. Life happens and people come back. Return in three weeks or in month eleven and you carry on, rather than starting over.
You can export all of it in one click, any time, whether you are leaving or not. After 12 months we delete it permanently — we are not going to hold on to the financial records of someone who has moved on. And if you want it gone sooner, you can delete it yourself, immediately, without waiting or asking.
One account per person — sharing a login breaks the Terms, and two women’s numbers in one plan helps neither of them.
Send her to the free tools instead. Three of them, complete, no card, and the door is open to her the same as it was to you.
Yes, and we would rather say so than have you work it out. We use AI tools to help draft guides, work through the math, and write copy. Every piece is read and edited by a person here before it goes anywhere near you.
AI doesn’t replace human judgment in this house. And fact-check any specific number before you act on it — that is good practice with any source, including us.
No. Credit & Cashmere makes educational tools, not financial advice. We’ll show you the math and name the trade-off — the decision stays yours.
Nothing here is tailored to your situation, and we are not licensed to do that. For anything with legal or tax weight, talk to a professional who can see your whole picture. Full text in our Disclaimer.
Working With Us
Where to send the thing you’re about to send.
Write to [email protected] — the only address we use. You’ll hear back within 24–48 hours on working days, from a person, and it’s the same person who builds the thing you’re writing about.
Tell us what you were doing, what happened, and what device you were on. Bugs jump the queue. Or use the form on the contact page.
We’re building one. If you’re a creator, a financial educator, or someone holding a community together and it fits what we’re doing, email us with Affiliate in the subject line and we’ll put you on the early-access list.
Still Stuck
The free tools
The Snowball vs. Avalanche Calculator and the No-Spend Challenge are free forever — the complete tools, no card, no clock. See what a plan actually looks like before you decide anything.
Open the free toolsWrite to us
Billing, bugs, partnerships, or a question this page didn’t cover. A person answers within 24–48 hours on working days.
Say helloThe House Letter
Money notes worth opening.
New guides as they land, plus the money reading we’d send a friend — made for the first coffee of the day.
No spam, ever. Unsubscribe anytime.