Welcome to The Ledger.
A money app that treats getting out of debt like self-care, not punishment. Milestones kept like keepsakes, a daily check-in, and education built into every screen.
Works in any browser, phone or laptop. No bank connections. No hidden fees. Cancel in two taps.
The Idea
One house. Every room included.
The Ledger is one subscription — every tool inside is yours while you’re a member, and new tools land without a new invoice.
Opens where you already are.
The Ledger is a web app — it lives at creditandcashmere.com/app and works in any browser, on your phone at 11 p.m. or your laptop with coffee.
Built like a good friend.
Milestones celebrated, lapses forgiven, feelings checked in on. Progress is counted in totals, never guilt-tripped in streaks.
The Interface
Thirty seconds tells you everything.
Your payoff curve, your debt-free date, and the interest you’ve dodged — composed like a magazine spread, not a wall of numbers.
- Every debt mapped to zero, snowball and avalanche compared
- One beautiful number per screen — never a wall of widgets
Mar 2028
How does your money feel today?
One word, one optional line — a bullet-journal record of your money mood that makes opening the app a two-minute morning ritual, even on days with nothing to log.
Milestones kept like keepsakes.
Your first payment, your first $500, 25% free — each engraved as a Moment in your Record. Elegant and earned, never a cartoon trophy.
- Educational footnotes decode every term as you go, sources named
- A profile that shows how far you’ve come, in your palette
The Editions
$4,280 paid off
Tap a swatch — your Edition is saved to your profile.
Couture colorways of one interface.
Same layout, same calm — six palettes, from riviera Ocean to evening-luxe Midnight. Pick the one that feels like you and the whole app dresses to match.
- i.All six Editions included with membership
- ii.Switch anytime — saved to your profile
- iii.Midnight for the 11 p.m. check-ins
The Free Shelf
Free forever. Not a trial — the door’s just open.
Snowball vs. Avalanche Calculator
The full tool, not a teaser. Put in your real debts and see both strategies side by side — months to zero, interest paid, which one your gut can actually live with.
The No-Spend Challenge
The full tool. Pick your days, mark them off, watch what you kept. A reset for the weeks where the spending got away from you — no lecture attached.
The Starter Budget
A lighter Monthly Budget: the current month, up to four categories. Enough to see where the money actually goes. The full version lives inside the membership.
The Line
One house, many rooms. Membership opens all of them — today’s tools and the ones still in the atelier.
$0
Three full tools, open to everyone: the Snowball vs. Avalanche Calculator, the No-Spend Challenge, and the Starter Budget.
$12 / month
The whole house, month to month. A reminder email lands before every renewal, and cancelling takes two taps.
$89 / year
The same house, billed once a year. Most women pick this one and forget about it — which is rather the point.
$89 / year, locked
The first 100 at launch. The yearly rate, and it never goes up for you — every price rise after this one passes you by.
No bank connections. No hidden fees. Cancel in two taps.
Educational tools, not financial advice.
The Monthly Plan
In designThe Bill Book
SketchedThe Net Worth Ledger
SketchedThe Savings Story
SketchedThe Cushion (emergency fund)
SketchedMembers get every one of these as it opens. No new invoice, no upgrade tier.
The Map — How It Works
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Start on the free shelf.
The Snowball vs. Avalanche Calculator, the No-Spend Challenge and the Starter Budget are open to everyone — no card, no clock. Try the house before you decide anything.
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Create your Ledger account.
One account, keyed to your email. It’s what lets your numbers, your Edition, your Check-In and your Record follow you from the phone to the laptop.
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Open the rest of the rooms, when you want them.
Choose monthly or yearly and every premium tool unlocks in the same sidebar — including the ones we haven’t built yet.
Switch between tools anytime from the left sidebar or your profile — one door, every room.
Questions, Answered
Three tools, free forever — not a trial, not a teaser. The Snowball vs. Avalanche Calculator and the No-Spend Challenge are the complete tools, and the Starter Budget covers the current month with up to four categories. No card, no clock, no nagging. Membership ($12/month or $89/year) opens the Debt Edition, the full Monthly Budget, the Check-In, your Record of Moments, and everything we build next.
No — and that’s on purpose. The Ledger is a web app: it lives at creditandcashmere.com/app and opens in any browser, on any device. Nothing to install, nothing to update, no app store account required. Add it to your home screen and it behaves like any other icon.
Only if you want to. Membership is $12/month or $89/year — and the first 100 members at launch become Founding Members, which means $89 a year with the price locked so it never rises for them. Whichever you pick, a reminder email lands before any renewal charge, so nothing ever shows up on your statement as a surprise. Cancelling is two taps, and there are no guilt-screens on the way out. If you change your mind, you have 30 days from any charge to ask for your money back — all of it, no questions.
The Debt Payoff Tracker has been retired — The Ledger is its glow-up, with the same math and a great deal more warmth. If you already bought the tracker, your files still work exactly as they do today. Nothing you paid for goes away.
This season. The founding list hears first, and the first 100 members who join become Founding Members — $89 a year, locked at that price for as long as they stay. They also see the interface before anyone else. That’s the whole velvet rope.
Be first through the door.
Launch news, the founding rate — $89 a year, locked, for the first 100 — and an early look at the interface. That’s it, no spam.
No spam, ever. Unsubscribe anytime.