A printable money record for your child
Keep track of allowance, birthday gifts and purchases on paper. This free kids' money tracker separates money already owned, who holds it and allowance still planned for the future.
No account or email needed. The two-page PDF contains a blank record and a filled example. Print at fit-to-page on A4 or Letter. CSV files contain columns and values, without spreadsheet formulas or an app import promise.
Your blank record
My money record
Currency: ______ Starting money: ______
| Date | What happened | Money in | Money out | Total owned |
|---|---|---|---|---|
| ________ | ________________ | ______ | ______ | ______ |
| ________ | ________________ | ______ | ______ | ______ |
| ________ | ________________ | ______ | ______ | ______ |
| ________ | ________________ | ______ | ______ | ______ |
Held by parent: ______ Held by child: ______
Future allowance, outside the balance: ______
How to use the tracker
- Choose one currency and write the starting amounts held by the parent and child. Add them to get the total already owned.
- For each real change, write the occurrence date, a short reason, money received or spent, and the new total. Keep parent-held and child-held amounts up to date.
- For a handover, change the two held amounts without entering income or spending. The total stays the same.
- Keep future allowance in the separate planning box. Check the record together against the money you actually hold. Correct mistakes with a dated explanation rather than erasing the original.
One child. One clear money record.
An illustrative example in US dollars, not a recommended allowance. Use one currency for your own record.
| What happened | Money in | Money out | Total owned |
|---|---|---|---|
| Start with money already owned | — | — | $20.00 |
| Receive a birthday gift | $30.00 | — | $50.00 |
| Buy a book with the child's money | — | $12.00 | $38.00 |
| Parent hands over $10 already recorded | — | — | $38.00 |
The parent starts holding $20. The child receives the $30 gift in cash, spends $12, then receives $10 from the parent-held money. At the end: $10 held by the parent + $28 held by the child = $38 owned.
A handover changes who holds the money. It creates no new income.
Next week's planned $10 allowance stays outside that $38 until it actually belongs to the child. Setting aside $8 for a goal would leave $30 available and $8 saved, still $38 in total.
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