Kids do chores and tap them done on the kitchen screen. You approve, and their balance moves. You still hold the actual cash — this just keeps score, and pays interest every week so saving beats spending in a way a seven-year-old can feel.
Jack
$184.44
Annie
$42.77
Lucy
$4.12
How the money actually works
No accounts to open, no card to order, no company holding your kid's money. You're the bank — and being upfront about that is what makes the whole thing work.
You hold the cash
Birthday money, allowance, the $5 from grandma — it goes in your pocket or a jar on the shelf. The app just records that it's theirs.
The app keeps score
Every chore, payout and withdrawal lands in a ledger both of you can see. No arguing about whether you already paid for the litter box.
You pay the interest
Out of your own pocket, like the allowance. Set the rate yourself — it's tuition for a lesson that's hard to teach any other way.
Worth knowing before you start: at 5% a week on the first $100 — the default — a kid sitting on $100 costs you about $5 a week. That's the whole trick, and it's why the rate is yours to set. Most families dial it down as balances grow.
The daily loop
Free chores come first
Tidying up is just being part of the household. Those don't pay — and paid chores don't unlock until they're done.
The kid taps it done
On the family tablet. No login, no phone, no account. A ✋ shows it's waiting on you.
You check it off
Nothing moves until a parent approves — which is the accountability moment, and the reason the board gets looked at every day.
Cash or bank
Hand it over, or leave it in the bank to earn interest. Watching a kid choose the bank is the entire product.
The lesson
So don't. Let them watch $20 they didn't spend turn into something they can't ignore, one Sunday at a time.
Spent it on candy
$20.00
Left it in the bank · week 0
$20.00
At the default 5% a week on the first $100. You set the rate, and the app shows you exactly what it'll cost before you commit to it.
Checking in
It's that someone looks. A chore isn't done because a kid says so — it's done when a parent checks it off, and that thirty seconds a day is the habit the whole thing is really building.
We nudge you when claims pile up, and send a summary every week so nobody has to remember to look.
Sunday · your inbox
This week at the bank
⚠ 3 chores are waiting on your approval.
When they're ready
A lemonade stand with real books. The kids hold equity, not cash — so a $60 stand split three ways shows each of them $20, while the money stays in the business until they decide to pay themselves.
Lemonade Stand
Cash on hand · $71.30
Jack
33.34%
$23.77
Annie
33.33%
$23.77
Lucy
33.33%
$23.76
Splits use largest-remainder rounding, so three ways always sums to the penny — never $23.76 × 3 = $71.28 with a cent quietly missing.
Add your kids, pick a starting set of chores, choose a rate. Everyone's first board is posted before you close the tab.
Set up your familyFree. No card. Your kids never sign up for anything.