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
Features
The complete banking stack for creators.
One account for payouts, taxes, spending, and reporting — designed around irregular income and the way modern creators actually work.
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
Payouts
Get paid the second the platform pays you.
Ledger settles YouTube, Stripe, Patreon, Substack, Shopify, and 40+ platforms in real time. No 3–5 day ACH holds, no manual withdrawals. Your money is spendable the moment it clears the platform.
- Real-time settlement on all major creator platforms
- Instant transfers to any linked bank, free
- Same-day invoice pay for freelance clients
Taxes
Never scramble for a quarterly payment again.
Every dollar you earn is auto-split into a separate FDIC-insured tax vault, using a percentage tuned to your state, filing status, and business type. When quarterly time hits, we can file for you.
- Auto set-aside personalized to your tax profile
- One-tap quarterly estimated payments to the IRS
- Year-end exports that plug into TurboTax and QuickBooks
Analytics
Finally understand how you actually make money.
Ledger tags every deposit by platform, client, and revenue type. See real revenue trends, spot churning income streams, and get 90-day forecasts calibrated for irregular pay.
- Revenue by platform, client, product, and month
- 90-day forecast built on your own history
- Alerts when a platform pays late or short
Every feature you need. Zero of the ones you don't.
Try Ledger free for 30 days. Move your platform payouts over in a few taps.