Instant payouts
Money hits your Ledger account the second a platform releases it — YouTube, Stripe, Patreon and 40+ more. No 5-day ACH wait.
0-second settlement
Now in early access for creators
Banking that gets the creator economy.
Instant payouts the moment a platform pays you. Taxes set aside automatically. Income analytics that actually understand irregular pay.
FDIC-insured via partner bank
Bank-grade 256-bit encryption
No monthly fees, no minimums
Live · Aug 2025
Available balance
$0.00+18.4%
vs. last 30 days · across YouTube, Patreon, and 3 client invoices
Income · 30d
This month Last month
Jul 20Aug 4Aug 18
Payouts
$0Invoices paid
0Avg. payout time
0sRevenue by sourceAug MTD
- YouTube AdSense38%
- Client invoices27%
- Patreon / memberships21%
- Live / tips14%
Tax vaultAuto 28%
$0
On track for Q3 estimated payment · $17.8k goal
Payouts this month+12
$0
- YouTube AdSense+$4,218.00
- Patreon+$1,942.50
- Adobe · Invoice #204+$3,500.00
- Tax vault transfer−$1,180.60
Everything you actually need
One account. Every tool for the way creators earn.
Built with — and for — people whose income doesn't fit inside a two-week pay cycle.
Auto tax set-aside
Ledger moves a smart percentage of every deposit into a separate tax vault, tuned to your state and filing status.
Avg 28% withheld
Income analytics
Revenue by platform, client, and month — with 90-day forecasts built for irregular pay. Export straight to your accountant.
Forecast in 1 click
Creator card
A physical + virtual card with instant categorization for gear, software, and travel. Every swipe becomes a write-off.
Up to 2% back
Invoices that get paid
Send branded invoices with one-tap pay links. Automated reminders, and instant deposit the moment a client clicks pay.
5-day faster payment
LLC & S-corp ready
Open sub-accounts for each entity. Ledger keeps books cleanly separated so tax season is a click, not a scramble.
Multi-entity in minutes
Loved by creators
$284M+ paid out to creators
From first-time freelancers to full-time studios, Ledger is the account creators recommend to each other.
“I stopped guessing how much to save for taxes. Ledger just does it, and my accountant loves the exports.”
Maya Okafor
YouTuber · 480k subs
“Payouts hit instantly. I don't have to front my own money for gear anymore, and my cash flow finally makes sense.”
Jordan Reyes
Twitch streamer · Variety
“Seeing revenue by client and platform in one place changed how I price my work. It paid for itself in a week.”
Priya Shah
Freelance designer
Creators paid via
YouTube
Patreon
Twitch
Substack
Stripe
Shopify
Pricing
Fair pricing that grows with you.
No monthly fees on Starter. No hidden anything, ever. Cancel or switch tiers in a tap.
Starter
$0forever
Everything you need to leave your traditional bank behind.
Open a free account- Instant payouts from 40+ platforms
- Auto tax set-aside
- Income analytics + forecasts
- Virtual & physical creator card
- Up to $250k FDIC insured
Most popular
Pro
$12per month
For creators earning full-time who want deeper tooling.
Start 30-day trial- Everything in Starter
- Unlimited sub-accounts (LLC, S-corp)
- Automated quarterly tax filings
- Branded invoicing + client portal
- 2% cashback on eligible spend
- Priority creator support
Studio
Customfor teams
Multi-seat accounts for agencies and creator teams.
Talk to sales- Everything in Pro
- Role-based team access
- Contractor payouts (1099 filing)
- Dedicated onboarding manager
- Custom API + accounting exports
All plans include FDIC insurance via our partner bank, 256-bit encryption, and 24/7 fraud monitoring.
Ready for banking built the way you earn?
Open a Ledger account in about 4 minutes. No monthly fees, no minimums, no hidden anything.