Ages5 to 7
Picture-led
Short sentences of familiar words, coins and notes drawn on the page, and a Listen button on every card and question.
Money, made learnable.
Two minutes a day. 1,300+ free lessons on saving, credit, tax and more, from age 5 to adult, built for the UK, with Penny cheering you on.
Ledgerly isn't live yet. The App Store button lights up on launch day.
23day streak
+15XP
Silver in Saving
How it works
A little every day adds up.
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1
Pick where you're headed
Tell Penny your goal: an emergency fund, your first job, your first home, or just getting on top of things.
-
2
Learn a little, daily
Short lessons and quick quizzes, two minutes or so a day. A streak keeps the habit going.
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3
Prove what you know
Earn Stone, Bronze, Silver and Gold as you show real understanding, not just as you tap through.
1,300+
free lessons, from age 5 to adult
18,000+
questions to practise
155
skills to master
13
goal-based journeys
Totals across every age. Each learner sees the lessons written for theirs.
Ages 5 to 12
Young learners, real money skills.
327 lessons written just for children, across fifteen topics, in three reading stages.
Ages8 to 9
Reading on their own
Pounds and pence written together for the first time, from paying and change to saving up for something.
Ages10 to 12
Ready for more
Decimals of money, plans and a first look at tax. Twelve-year-olds read here too, beside their 12 to 16 lessons.
Three journeys of their own
And plenty more
- 12 stories narrated by Penny, four for each stage, with choices to make.
- Every card and question can be read aloud, by Emma or George, natural voices that download once on Wi-Fi, or by the device's own voice.
- Lessons sized for iPad as well as iPhone.
- Under 12s are never offered anything to buy with real money, and never see an advert or a page selling Plus.
For families
Share Progress
A learner aged 13 to 17 can invite someone they trust, aged 18 or over, to see their streak, lessons this week, skills mastered and current journey. Never their money, answers or name. Under 13s can share a picture of the same.
Ledgerly Plus Family Coming soon
All of Plus for you and up to five others in your Apple family group. Every lesson stays free for everyone, with or without it.
For schools
A live money quiz for the whole class.
Ledgerly Classroom is free. You run a quiz on the big screen, and pupils answer on their own iPhone or iPad, in the same room.
- Pupils join with a six-digit code, and each gets a friendly nickname, like Brave Otter.
- No accounts, no names and no chat, and the quiz never goes over the internet.
- Up to 40 pupils and 5 to 15 questions, with points and a podium, or none at all.
Try a question
Go on, have a go.
Real questions from Ledgerly lessons. No wrong answers here, only explanations.
0 right
0 XP
Mastery
Stone to Gold. Earned, not given.
The Skill Map shows where you stand on every topic, built from real evidence rather than how many lessons you've opened.
Stone
Not looked at yet
Bronze
Getting there
Silver
Solid
Gold
Nailed it
Evidence, not tapping
Tiers come from right answers, breadth and how recently you showed it. Never from streaks or XP.
Prove I Know This
Confident already? Skip the lesson. A clean run on one idea can take it straight to Gold.
Only ever up
A tier you've earned stays earned. Time away never takes it back.
Your way
Follow a journey, or walk the Path.
Thirteen goal-based journeys, three of them for ages 5 to 12, turn 1,300+ lessons into a plan. Prefer a straight line? The Path winds through one area at a time, and nothing on it is ever locked.
0day streak
Habit
Build a streak, kept kindly.
A daily streak keeps the habit alive, and Streak Freezes quietly cover you when life gets in the way.
- Earn a Streak Freeze every seven days, and keep up to two in hand.
- A missed day is covered automatically when you've got one.
- A lapsed streak is never sold back to you. Not for any price.
Leagues
A weekly nudge, from Stone to Obsidian.
Climb nine weekly leagues by learning. Everyone on your board appears under a private handle, never their real name, and the board ranks effort, never what you know.
Penny approves.
Meet Penny
Your guide, in any hat.
Penny cheers you on and never scolds. Earn Pennies by finishing lessons, then dress her up in Penny's Shop. Go on, try something on.
- A new themed collection lands in Penny's Shop on the 1st of every month, building to 200 items.
- Some are on sale for a limited time, and some are just for Plus members.
- Whatever you buy stays yours, even after its time is up.
Pennies are never sold. You earn them by learning, and Plus will add a monthly gift.
Inside the app
Small wins, everywhere you look.
Full marks, fresh quests, milestones and a badge cabinet that fills up as you go.
More ways to learn
Beyond the lessons.
Stories to play through, scams to spot, real paperwork to read and a voice to listen to, all in Learn.
Private by design
Your money never leaves your phone.
No bank logins and nothing ever sold. Create a free profile and your learning backs up too, so it follows you to a new phone.
Money data stays on your phone
Anything you tell Ledgerly about your money is kept on the device. Always.
Your learning follows you
Lessons, streak, XP, badges and Pennies back up to a free profile.
Private on the board
Leagues show a private handle, never your name, and no third-party analytics watch what you do.
Eleven areas
Everything money, made simple.
From your first budget to your pension, every lesson is written for life in the UK, and shaped to your age.
Swipe to see all eleven
Our promise
Habit-forming, never manipulative.
Ledgerly should feel like a morning run, not a slot machine. So there are things it will never do.
Guilt or shame
No "you failed", and no sad mascot as punishment.
Streak repair for sale
Once a streak lapses, no price buys it back.
Infinite feeds
Every screen has a bottom. Then you're done for the day.
Loot boxes
No random rewards. Every price is fixed and shown up front.
"We miss you" spam
Every notification is opt-in, and none of them guilt you.
FAQ
Good questions.
Waiting list
Be the first to know.
Leave your first name and email, and we'll let you know when the beta opens and when Ledgerly lands on the App Store. We'll only email you about the beta and the launch, and you can leave the list whenever you like.
Check your inbox.
We've emailed a link to . Tap it to confirm your place. It lasts 7 days.
Nothing there after a few minutes? Have a look in your spam or junk folder. If you've already confirmed, you're all set.
Ready to make money click?
Ledgerly is coming soon to iPhone. Start your streak on day one.
Coming soon on theApp StoreComing Soon