diff --git a/steam_backlog_enforcer/_ledger_earners.py b/steam_backlog_enforcer/_ledger_earners.py
new file mode 100644
index 0000000..e04bfb0
--- /dev/null
+++ b/steam_backlog_enforcer/_ledger_earners.py
@@ -0,0 +1,54 @@
+"""Any registered earner without a dedicated reader: its gate's signed ledger.
+
+The workout, LeetCode and reading earners have their own modules (transports,
+fallbacks, incidents). An earner registered in ``earned_time`` after them only
+publishes HMAC-signed ``credit`` rows, so the shared reader is all it needs:
+it joins the budget with no code here.
+
+Paths resolve under :data:`LEDGER_HOME` -- the unit sets ``HOME`` to the
+desktop user's, and the test suite redirects this constant.
+"""
+
+from __future__ import annotations
+
+import logging
+from pathlib import Path
+from typing import Final
+
+import earned_time
+
+from steam_backlog_enforcer._leetcode_ledger import HMAC_KEY_FILE
+from steam_backlog_enforcer._status_api import AnswerCache
+
+logger = logging.getLogger(__name__)
+
+LEDGER_HOME: Final = Path.home()
+
+_cache = AnswerCache()
+
+
+def reset_cache() -> None:
+    """Drop the cached answers, forcing the next call to re-read."""
+    _cache.clear()
+
+
+def ledger_answer(earner: earned_time.Earner) -> bool | None:
+    """Today's answer from ``earner``'s ledger, memoised like the other earners.
+
+    Returns:
+        True or False when the ledger could be read, ``None`` when it could
+        not or the earner has no ledger -- which is never "not done".
+    """
+    if earner.ledger is None:
+        logger.warning(
+            "Earner %s has no ledger and no reader here; it earns nothing",
+            earner.label,
+        )
+        return None
+    cached = _cache.fresh(earner.name)
+    if cached is not None:
+        return cached
+    answer = earned_time.done_today(earner, LEDGER_HOME / earner.ledger, HMAC_KEY_FILE)
+    if answer is None:
+        return None
+    return _cache.store(earner.name, answer=answer)
diff --git a/steam_backlog_enforcer/tests/test_ledger_earners.py b/steam_backlog_enforcer/tests/test_ledger_earners.py
new file mode 100644
index 0000000..4c81a12
--- /dev/null
+++ b/steam_backlog_enforcer/tests/test_ledger_earners.py
@@ -0,0 +1,187 @@
+"""Tests for _ledger_earners and the generic earner path in resolve_budget.
+
+An earner registered in ``earned_time`` after workout, LeetCode and reading has
+no module of its own here: :func:`ledger_answer` reads its signed ledger, and
+``resolve_budget`` adds its term. These tests register a stand-in earner by
+patching ``earned_time.EARNERS`` -- the registry ``resolve_budget`` reads, and
+passes on to ``earned_time.resolve``, at call time.
+"""
+
+from __future__ import annotations
+
+from dataclasses import replace
+from datetime import datetime
+import logging
+from typing import TYPE_CHECKING
+from unittest.mock import patch
+
+import earned_time
+import pytest
+
+from steam_backlog_enforcer import _ledger_earners, _leetcode_bonus, _workout_budget
+from steam_backlog_enforcer._budget_resolve import BudgetResolution, resolve_budget
+from steam_backlog_enforcer._ledger_earners import ledger_answer, reset_cache
+from steam_backlog_enforcer.config import Config
+from steam_backlog_enforcer.tests._budget_dates import AFTER_CUT, pin_today
+from steam_backlog_enforcer.tests._ledger_fixtures import KEY, credit, write_ledger
+
+if TYPE_CHECKING:
+    from collections.abc import Iterator
+    from pathlib import Path
+
+_PKG = "steam_backlog_enforcer._ledger_earners"
+_WORKOUT = "steam_backlog_enforcer._workout_budget._fetch_workout_today"
+_LEETCODE = "steam_backlog_enforcer._leetcode_bonus.read_ledger_solved_today"
+_ANSWER = "steam_backlog_enforcer._budget_resolve.ledger_answer"
+_HOUR = 3600.0
+
+
+def _any_credit(_row: dict[str, object], _window: tuple[float, float]) -> bool:
+    """Count every verified credit: the reader's own dating is earned_time's."""
+    return True
+
+
+ANKI = earned_time.Earner(
+    name="anki",
+    label="Anki",
+    gaming_minutes=30,
+    shutdown_minutes=30,
+    ledger=".local/share/anki_guard/ledger.json",
+    match=_any_credit,
+)
+
+
+@pytest.fixture(autouse=True)
+def _clear_caches() -> Iterator[None]:
+    """Keep every earner memo from leaking answers between tests.
+
+    Yields:
+        None, with the caches empty before and after.
+    """
+    for module in (_ledger_earners, _workout_budget, _leetcode_bonus):
+        module.reset_cache()
+    yield
+    for module in (_ledger_earners, _workout_budget, _leetcode_bonus):
+        module.reset_cache()
+
+
+class TestLedgerAnswer:
+    """One earner's answer from its ledger, memoised like the others."""
+
+    def test_an_earner_without_a_ledger_earns_nothing(
+        self, caplog: pytest.LogCaptureFixture
+    ) -> None:
+        """No ledger and no reader here is "cannot check", and says so.
+
+        Args:
+            caplog: pytest's log capture.
+        """
+        with caplog.at_level(logging.WARNING):
+            assert ledger_answer(replace(ANKI, ledger=None)) is None
+        assert "Earner Anki has no ledger" in caplog.text
+
+    def test_reads_the_ledger_under_the_home_directory(self, tmp_path: Path) -> None:
+        """A signed credit in ``LEDGER_HOME / earner.ledger`` counts.
+
+        Args:
+            tmp_path: pytest's temporary directory (conftest's LEDGER_HOME).
+        """
+        assert ANKI.ledger is not None
+        ledger_dir = (tmp_path / ANKI.ledger).parent
+        ledger_dir.mkdir(parents=True)
+        write_ledger(ledger_dir, [credit(when=datetime.now().astimezone())])
+        key = tmp_path / "hmac.key"
+        key.write_bytes(KEY)
+        with patch(f"{_PKG}.HMAC_KEY_FILE", key):
+            assert ledger_answer(ANKI) is True
+
+    @pytest.mark.parametrize("answer", [True, False])
+    def test_an_answer_is_cached(self, *, answer: bool) -> None:
+        """A yes and a no are both served from the memo on the next tick.
+
+        Args:
+            answer: The answer the ledger gives.
+        """
+        with patch("earned_time.done_today", return_value=answer) as read:
+            assert ledger_answer(ANKI) is answer
+            assert ledger_answer(ANKI) is answer
+        assert read.call_count == 1
+
+    def test_a_failure_is_not_cached(self) -> None:
+        with patch("earned_time.done_today", return_value=None) as read:
+            assert ledger_answer(ANKI) is None
+            assert ledger_answer(ANKI) is None
+        assert read.call_count == 2
+
+    def test_reset_cache_forces_a_reread(self) -> None:
+        with patch("earned_time.done_today", return_value=True) as read:
+            ledger_answer(ANKI)
+            reset_cache()
+            ledger_answer(ANKI)
+        assert read.call_count == 2
+
+
+def _resolve(
+    *, answer: bool | None, earner: earned_time.Earner = ANKI
+) -> BudgetResolution:
+    """Resolve with ``earner`` registered, the three built-ins all "no".
+
+    Args:
+        answer: What the extra earner's ledger says.
+        earner: The extra earner to register.
+
+    Returns:
+        The resolved budget.
+    """
+    with (
+        pin_today(AFTER_CUT),
+        patch("earned_time.EARNERS", (*earned_time.EARNERS, earner)),
+        patch(_WORKOUT, return_value=False),
+        patch(_LEETCODE, return_value=False),
+        patch(_ANSWER, return_value=answer) as asked,
+    ):
+        resolved = resolve_budget(Config())
+    asked.assert_called_once_with(earner)
+    return resolved
+
+
+class TestAGenericEarnerInTheBudget:
+    """A registered earner joins the sum with no code of its own here."""
+
+    def test_its_credit_adds_its_term(self) -> None:
+        resolved = _resolve(answer=True)
+        assert resolved.seconds == 4.5 * _HOUR
+        assert resolved.earned_seconds["anki"] == 0.5 * _HOUR
+        assert resolved.reason.endswith(", Anki credited")
+
+    def test_no_credit_adds_nothing(self) -> None:
+        resolved = _resolve(answer=False)
+        assert resolved.seconds == 4 * _HOUR
+        assert resolved.earned_seconds["anki"] == 0.0
+        assert "no Anki credited" in resolved.reason
+
+    def test_unknown_adds_nothing_and_reads_differently(self) -> None:
+        resolved = _resolve(answer=None)
+        assert resolved.seconds == 4 * _HOUR
+        assert "Anki unknown" in resolved.reason
+
+    def test_its_penalty_lowers_the_base_by_what_it_pays_back(self) -> None:
+        """Penalty, then reward: skipping it costs exactly its term."""
+        penalised = replace(ANKI, penalty_from=AFTER_CUT)
+        missed = _resolve(answer=False, earner=penalised)
+        earned = _resolve(answer=True, earner=penalised)
+        assert missed.base_seconds == 3.5 * _HOUR
+        assert missed.seconds == 3.5 * _HOUR
+        assert earned.seconds == 4 * _HOUR
+
+    def test_the_built_in_earners_are_not_read_twice(self) -> None:
+        """Only an earner with no dedicated reader goes through the ledger path."""
+        with (
+            pin_today(AFTER_CUT),
+            patch(_WORKOUT, return_value=False),
+            patch(_LEETCODE, return_value=False),
+            patch(_ANSWER) as asked,
+        ):
+            resolved = resolve_budget(Config())
+        asked.assert_not_called()
+        assert set(resolved.earned_seconds) == {"workout", "leetcode", "reading"}