Savings and dividend tracker
Know what’s insured. Know what it pays.
Steady Ledger puts every account on one page, sorts it by how it’s protected, and keeps an honest record of the interest and dividends it pays you.
- One payment of $27. No subscription.
- Spreadsheet workbook, 34-page guide and printable pages
- No bank logins. Your numbers stay in your file.
- Refund within 30 days if it isn’t useful to you
What it answers
Three plain questions about your money
Most careful savers can’t answer these without a drawer of statements. Steady Ledger is built around them.
What do I have, and how is it protected?
List each account once. The workbook gives it a safety label automatically and adds everything up on one page.
- Insured deposits, U.S. Treasury-backed or Can go up or down, so you see your mix at a glance.
- An insurance check that adds up deposits at each bank by owner type and flags anything over $250,000.
- Reminders for out-of-date balances and for CDs or Treasury bills maturing in the next 90 days.
Choose an account above to see its safety label.
What is it paying me?
Log each interest or dividend payment once, marked paid as cash or reinvested. Nothing is counted twice.
- The last 12 months at a glance: what arrived as spendable cash, and what was reinvested.
- A Year Summary by month and by account, with totals to check against your 1099 forms.
- An Investment Check that shows how much of an account’s year came from dividends and how much from prices.
What should I do next?
Turn plans into numbers, and learn the questions worth asking before you move money.
- Up to eight goals, each with the monthly amount it needs to arrive on time.
- A Growth Explorer that compares two rates over time. Try it below.
- Checklists for comparing options and spotting red flags, and a 15-minute monthly routine.
Try it here
The Growth Explorer
Change any number. This is the same calculation as tab 4 of the workbook.
After 20 years at 4%
$58,295
At 0.5%
$36,282
Difference
$22,014
- Rate A (4%)
- Rate B (0.5%)
- What you put in
- Total you put in
- $34,000
- Growth at rate A
- $24,295
- Rule of 72, rate A
- Doubles in about 18.0 years
- Rate A in today’s dollars
An illustration, not a prediction or an offer. Rates are yearly percentage yields (APY); each month grows by the rate that adds up to the APY over a year. The rate never changes, and taxes, fees and inflation are left out unless you add inflation. Real rates change, and investments can lose value.
Show the numbers year by year
| Year | You put in | Rate A | Rate B | Difference |
|---|---|---|---|---|
| 0 | $10,000 | $10,000 | $10,000 | $0 |
| 1 | $11,200 | $11,622 | $11,253 | $369 |
| 2 | $12,400 | $13,309 | $12,512 | $797 |
| 3 | $13,600 | $15,063 | $13,777 | $1,286 |
| 4 | $14,800 | $16,887 | $15,049 | $1,838 |
| 5 | $16,000 | $18,784 | $16,327 | $2,458 |
| 6 | $17,200 | $20,758 | $17,611 | $3,147 |
| 7 | $18,400 | $22,810 | $18,902 | $3,908 |
| 8 | $19,600 | $24,944 | $20,199 | $4,745 |
| 9 | $20,800 | $27,164 | $21,503 | $5,661 |
| 10 | $22,000 | $29,472 | $22,813 | $6,659 |
| 11 | $23,200 | $31,873 | $24,130 | $7,743 |
| 12 | $24,400 | $34,370 | $25,453 | $8,916 |
| 13 | $25,600 | $36,966 | $26,783 | $10,183 |
| 14 | $26,800 | $39,667 | $28,120 | $11,547 |
| 15 | $28,000 | $42,475 | $29,463 | $13,012 |
| 16 | $29,200 | $45,396 | $30,813 | $14,583 |
| 17 | $30,400 | $48,434 | $32,170 | $16,263 |
| 18 | $31,600 | $51,593 | $33,534 | $18,059 |
| 19 | $32,800 | $54,878 | $34,904 | $19,974 |
| 20 | $34,000 | $58,295 | $36,282 | $22,014 |
What’s inside
Five files, delivered right after you pay
Open “00 Start Here” first. It shows which file to open next and walks you through your first 20 minutes.
00-Start-Here.pdf
Two pages: what is in the kit, which file to open first, and your first 20 minutes.
Steady-Ledger-Workbook.xlsx
Spreadsheet (.xlsx), 11 tabs. Tested in Apple Numbers and LibreOffice; made for Excel and Google Sheets.
Steady-Ledger-Example-Fictional.xlsx
The same workbook with 21 months of made-up records, so you can see every tab working.
Steady-Ledger-Guide.pdf
Easy-to-read PDF in 13.5-point type, US Letter. How to use the workbook, and plain-language lessons on safer places for money.
Steady-Ledger-Printable-Pages.pdf
Pen-and-paper versions of the main tabs, plus checklists. US Letter.
Works with
- Tested
- Apple Numbers 14.4 (Mac) and LibreOffice Calc: every formula recalculated and checked against independent math.
- Made for, not yet tested
- Microsoft Excel and Google Sheets. The workbook uses only functions all four programs support, and no macros.
- Paper
- The guide and printable pages are US Letter PDFs. Print as many copies as you like.
Who it’s for
- Savings and investments in a few places, and you want one clear picture.
- You want to know what’s insured, what’s government-backed, and what can go up or down.
- You receive interest or dividends and want an honest record of them.
- You prefer plain language, and you’d rather not link your bank to an app.
Who it isn’t for
- You want balances to update automatically from your bank.
- You trade often and need live prices or tax-lot tracking.
- You want stock picks or personal investment advice.
- You mainly want a monthly budget. For that, see Between Deposits, also from Wren & Co.
How it works
From checkout to your first Money Map
Steady Ledger is sold through Gumroad, which handles payment, tax and delivery. Your card details go to Gumroad, not to us.
Check out on Gumroad
Gumroad shows the price in your local currency, with a switch back to US dollars, and adds sales tax or VAT where it applies. It asks for your email, name and country.
Download right away
Your download page opens after payment, and the receipt email has the same link. The files stay in your Gumroad library.
Open “00 Start Here”
It points you to the workbook and walks you through your first 20 minutes.
Keep it up in 15 minutes a month
Update balances, log new payments, and glance at the Money Map’s “Things to look at”.
Why you can trust it
What we checked, and what we didn’t
- Who makes it
- Wren & Co., which makes plain, practical tools for everyday life. See more about us below.
- Facts
- Every fact in the guide comes from an official source: FDIC, NCUA, SIPC, SEC, FINRA, U.S. Treasury, IRS, eCFR and others, 37 official web pages in all, each with the date it was checked. The guide never prints rates, because rates change.
- Calculations
- The workbook’s formulas were recalculated and compared cell by cell against independent math, in LibreOffice and in Apple Numbers 14.4. The Growth Explorer on this page uses the same tested code.
- Not yet tested
- The workbook in Microsoft Excel and in Google Sheets.
- What it is
- A spreadsheet and plain-language guide. No account to create, no bank linking, no app. General education, not financial, tax or legal advice.
- What this site collects
- No analytics. No ad trackers. No cookies of our own. If you ask for our free PDF, The Statement Decoder, Gumroad collects your email address for us. The buy buttons load Gumroad’s checkout script.
- Payment
- Gumroad’s secure checkout. Your card details go to Gumroad, not to us.
- Refunds
- If Steady Ledger isn’t useful to you, ask for a refund within 30 days of purchase by replying to your Gumroad receipt or using Gumroad’s Contact option. You don’t need to give a reason or return anything.
- Support
- Questions? Reply to your Gumroad receipt email, or use “Contact” on your Gumroad purchase page. We aim to reply within two business days.
- Look inside first
- Download the free sample pages: the Money Map and the safety labels cheat sheet, straight from the kit.
Helping a parent?
Getting organized together
Many people help a parent keep track of accounts. Steady Ledger works best when the person whose money it is fills it in, at their own pace, with you beside them if they’d like. The guide has a page on what to do if someone needs to step in, and a printable “For my family” sheet that lists where things are, without passwords or account numbers.
Our free guide, Helping a parent with money, covers what to write down first, who can act for a parent, and where to get help.
Price
$27
US dollars, one payment. No subscription. At checkout Gumroad may show the price in your local currency, with a switch back to US dollars, and adds sales tax or VAT where it applies.
30-day refund: If Steady Ledger isn’t useful to you, ask for a refund within 30 days of purchase by replying to your Gumroad receipt or using Gumroad’s Contact option. You don’t need to give a reason or return anything.
Buying it for someone else? At checkout, switch on “Give as a gift?” and Gumroad asks for their email address, so the files go to them.
Everything in the kit
- “00 Start Here”, two pages
- The workbook: 11 tabs, for your own numbers
- The same workbook filled in with a fictional household
- The 34-page plain-language guide
- 14 printable pages and checklists
- Download again any time from your Gumroad library
Free guides
Plain answers you can use today
Is my money insured?
Check FDIC and NCUA coverage by bank and ownership type, with a free screening tool.
FDIC, NCUA, SIPC or the Treasury?
One table showing what protects each kind of account, and what doesn’t.
Money market fund or money market account?
Two products with nearly the same name and very different protection.
Keeping records of interest and dividends
Cash or reinvested, 1099-INT or 1099-DIV, and what to report.
Treasury bills or CDs?
Who backs them, how they’re taxed, and what happens if you need the money early.
What happens when a CD matures?
Grace periods, automatic renewal, and the notice your bank must send first.
Helping a parent with money
What to write down first, who can act for a parent, and where to get help.
Questions
What is Steady Ledger?
Steady Ledger is a $27 savings and dividend tracker by Wren & Co. for adults who want every account, interest payment and dividend in one plain-language record: a spreadsheet workbook, a 34-page guide and printable pages that sort each account by how it is protected.
Which programs does it work with?
The workbook is a standard .xlsx file. We tested it in Apple Numbers 14.4 on a Mac and in LibreOffice Calc, where every formula was recalculated and checked against independent math. It is built for Microsoft Excel and Google Sheets using only functions those programs support, but we haven’t tested it in either yet. The guide and printable pages are PDFs.
Does it connect to my bank?
No. You type balances and payments yourself, about 15 minutes a month. Nothing is linked, and no bank passwords are shared with anyone.
Where is my information stored?
Only in your own file, on your own computer or storage. The workbook has no macros and never connects to the internet. We never see what you type.
I’m not a spreadsheet person. Will I manage?
If you can type in a box and pick from a list, yes. Pale yellow cells are for typing, grey cells fill themselves in, and the Start Here sheet walks you through your first 20 minutes. A filled-in fictional example shows every tab working.
Can I use it on an iPad?
Apple Numbers, which opens the workbook, is free on iPad. We tested Numbers on a Mac, not on an iPad. A computer is more comfortable for typing a long list of accounts.
Is this financial or tax advice?
No. Steady Ledger is general education and a place for your own records. It explains how insurance, Treasury securities and dividends work and what to ask, but it never tells you what to buy or sell.
What about moving money between my own accounts?
Transfers aren’t income, so they never go in the Income Log. You simply update the two balances. Only interest, dividends and fund distributions are logged as income.
I only have two or three accounts. Is it worth it?
It still gives you a dated record of what each account pays, a check against your tax forms, and the guide’s plain answers on insurance and safer options. If you only want a list of balances, the free Money Map page may be all you need.
Is it up to date?
The facts in the guide were checked against official FDIC, NCUA, TreasuryDirect, SEC, FINRA and IRS pages on October 8, 2026. The guide links to rates rather than printing them, because rates change.
I’m not in the United States. Is it for me?
The guide explains U.S. accounts and rules (FDIC, NCUA, U.S. Treasury, IRS). The workbook itself works with any currency, but its insurance check uses the U.S. $250,000 limit.
How do I get the files?
Right after you pay, Gumroad shows your download page and emails a receipt with the same link. The files stay in your Gumroad library, so you can download them again later.
What if it isn’t right for me?
If Steady Ledger isn’t useful to you, ask for a refund within 30 days of purchase by replying to your Gumroad receipt or using Gumroad’s Contact option. You don’t need to give a reason or return anything.
Can I print it?
Yes. The guide and the printable pages are US Letter PDFs. In the workbook, the Money Map tab prints on one page.
Can my spouse use it too?
Yes. Your purchase covers you and your household. Please don’t share the files publicly.
The maker
About Wren & Co.
Wren & Co. began in 2026 with one aim: to make well-made helpers that bring order to everyday life. Life gets messy: bills arrive on the wrong days, plans scatter, memories slip away. Each thing we make takes one of those tangles and makes it tidy, clear and easy to come back to. No jargon, no clutter, just quiet, useful tools that do their job well.
More from Wren & Co.
- Between DepositsA budget and cash-flow kit for Social Security, pensions and other fixed income
- Plain StepsPlain-language task cards for everyday iPhone and Windows 11 jobs
- Calmer Nights, Easier MorningsA two-week sleep and morning kit, one change at a time
- The Everyday Memory JournalThirty days of short memory activities, about ten minutes a day
- Fill In the DotsA family history starter map and research log for beginners
- Shoebox to StorybookTurn old photos and family stories into a family storybook
Every account. One clear picture.
Start with the free sample pages, or get the whole kit and make your first Money Map this afternoon.