You keep holding the cash. The app tracks balances, compounds interest, and gives your kids their own login so they can see what their money is doing.
Create a profile for each child. Set their allowance amount, schedule, interest rate, and donation match — whatever fits your family.
Allowances deposit on schedule. Interest compounds automatically. Your kids log in with their own account and watch their balance grow.
When they want to spend, they request a withdrawal. You approve it and hand over the money. That's the whole thing.
Set a rate and a compounding period. They watch $50 become $51.25, then $52.52. Hearing "your money grows" is one thing. Watching it happen in your own account is another.
When your kid withdraws $20 for a toy, they see what that $20 would have become. Maybe they still buy it. But now it's a trade-off, not just "can I have this?"
Set a donation match. Your child gives $5, the app shows $15 went to the cause. They learn that generosity has leverage — and that feels good.
I made this for my own kids. No premium tier, no ads, no data selling. Just a tool I wanted to exist.