Where is my kid's money actually kept?

Wherever you keep it now — a piggy bank, an envelope, or your own account. KidsLearnCash is a ledger: it keeps the running balance of what each kid has earned, saved and spent. It never holds or moves real money.

How do chores and payment work?

You add chores with a reward. Your kid marks a chore done, you approve it, and the reward is added to their balance. You can approve several at once, let kids add chores you've allowed, and set some chores to approve themselves.

Can I match my kid's saving or pay them interest?

Yes, if you want to. Turn on a match for one savings goal (25¢, 50¢ or $1 for every $1 they save), or pay interest on savings each month (1%, 2% or 5%). You pay both yourself; the app records them and shows your kid what they add up to.

KidsLearnCash

How KidsLearnCash works

A free family ledger for allowance, chores, savings goals and wishlists. The money stays in your wallet, envelope or piggy bank; the app keeps every kid's balance straight and shows them what their money can do.

Free, and no bank account or debit card. KidsLearnCash doesn't hold or move money. It records what each kid earns, saves and spends, so you can hand over real cash and still teach how money works.

1. Set up your family

Sign in with Google or email, and add your kids. A first name or nickname is all you need. Both parents can sign in to the same family on any number of devices, and everything syncs.

2. Allowance on autopilot

Set an allowance for each kid — weekly, every two weeks or monthly — and it's added to their balance on schedule. Your kid's Home shows when the next one arrives and what it will do for the thing they're saving for.

3. Chores with rewards

Add chores with a reward, or pick from a ready-made list grouped by room and job.
Kids mark chores done, and you approve them — one at a time or all at once. The reward is added to their balance when you approve.
Each approval shows what it does for their goal, like "Miyoo Mini Plus 11% → 14%".
Helper levels reward kids as they finish more chores, with a bonus you choose for reaching each level.
Let kids add chores you allow, and set trusted ones to approve themselves.

4. Spending, with real sales tax

When your kid buys something, record it and their balance goes down — including your state's actual sales tax if you choose, so a $10 toy costs what it really costs at the register. Kids can record their own spending, and the app shows what a purchase cost in chores: "about 5 chores' worth."

5. Savings goals and wishlists

Kids pick what to save for from their wishlist, and see how close they are, the thing itself in the middle of a progress ring.
When will I get it? The app works out the date at the rate they usually earn — and how much sooner their waiting chores would get them there.
Milestones are celebrated at 25%, 50%, 75% and 100%.
Buy it now: when they have enough, record the purchase with its tax, and your kid sees "You got it!" and a shelf of the things they saved for, with how long each took.

6. The Bank of Mom & Dad (optional)

Two ways to reward saving, both paid by you and recorded in the app:

Match their saving on one goal: 25¢, 50¢ or $1 for every $1 they save. The app shows you how much sooner they'll get there and what the match will cost you, and adds it when the goal is bought.
Interest on savings: 1%, 2% or 5% a month, paid on the 1st on what they have that day. Your kid's Home says what it earned: "Your money earned money!"

7. Kids check their own money

On a shared phone or tablet, Kid Mode lets each kid sign in with their own 4-digit PIN and see only their own balance, chores and goals — in their own terms, like what a chore does for their goal. A Parent PIN switches back. Kids can also get an access link to use KidsLearnCash on their own device.

8. Grandparents and relatives

Invite relatives to Family Access: a limited view where they can see the kids' wishlists and goals, claim a gift or chip in, and suggest chores. They never see the full ledger, and you approve each person first.

9. Talk about it

For parents only, the app turns each kid's month into conversation starters — like "83% of what Maya spent this month went on games. Ask Maya: was it worth about 5 chores?" — or a nudge to celebrate their best month of saving.

Where it works

In any web browser on phones, tablets and computers. On a phone, add it to your home screen and it opens like an app.

Open KidsLearnCash — it's free

No subscription, no premium tier, no credit card.