Description
You cannot steward what you cannot see. The TWL Stewardship Ledger is a daily, monthly and annual finance tracker built on one principle: everything you have belongs to God.
A budget asks where your money went. Stewardship asks whether you honoured God with what He entrusted to you. Kingdom First is not a category buried at the bottom. It is the first section you fill in. Before rent. Before groceries. Before anything.
What is inside:
- Daily spending columns so you record expenses the moment they happen
- 12 categories covering every area of life: income, Kingdom First, housing, food, transport, health, family, business, future stewardship, lifestyle, debt and miscellaneous
- Over 50 pre-listed line items covering every way money moves in a household or small business
- A live Stewardship Score showing how well you are giving, saving and living within your means
- Bank CSV import feature to auto-categorise transactions from your banking app
- Word Anchor and monthly reflection section for every month
- Annual Summary view for a 12-month picture of your stewardship
- Year selector that works for 2026 and every year beyond
Two formats. Complete visibility.
The HTML file opens in any browser with a three-panel interface. The Excel companion has every month on its own sheet with conditional formatting and an Annual Summary sheet. Works in any currency worldwide.
“Bring the whole tithe into the storehouse… and see if I will not throw open the floodgates of heaven.” Malachi 3:10
This is for you if:
- You earn a regular income but money always disappears before the month ends
- You have multiple income streams and no clear system to track them
- You want your finances to reflect your faith, not just your goals
- You are ready to move from financial anxiety to financial stewardship
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