Parents set the chores
Make beds, finish homework, help with dinner. Pick the tasks and the payout frequency, like every Friday when all five are done.
01 / 4
Today
Make the bed
Finish homework
Help with dinner
Early access
The money app made for kids to
Kids earn allowance from chores, split it across save, spend, invest, and give, then earn a real debit card.
5,000+ families
100+ schools
Financial advisors
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Banks were not built for kids. Schools do not teach money.
Cash is disappearing, and most kids with money in a piggy bank have no real way to use it, grow it, or understand it. Penny fixes that.
01
Banks weren't built for kids
02
Schools don't teach financial literacy
03
Cash doesn't work anymore
73%
of teens say they were never taught about money in school.
1 in 4
US adults cannot pass a basic financial literacy quiz.
$0
usable balance most kids actually have saved up.
The money loop that actually sticks.
Kids earn from chores, split it across four pockets, and save their way to a real debit card.
Kids earn the allowance
Funds move automatically from the parent account into the kid's account the moment chores get checked off.
02 / 4
Allowance paid
+$5.00
Moved to your pockets
Money splits into four pockets
Every dollar lands in one of four named pockets automatically. The most popular split is 50% save, 30% spend, 15% invest, and 5% give.
03 / 4
Save
50%
Spend
30%
Invest
15%
Give
5%
They unlock a real debit card
Once a kid hits their first savings milestone, a real Penny debit card ships to the door. They choose where it gets swiped.
04 / 4
Goal reached
Card is on its way
Delivery in 3 to 5 business days
For parents
You're in control. They learn the lesson.
Penny gives kids the independence to earn and manage money — inside the guardrails you design. Every dollar, every limit, every lesson is yours to set.
For parents
Control.
- Set chores. Set the pay. Set the split.
- Every move, live in your feed.
- Freeze, cap, or approve. One tap.
PennynowMia earned $5.00
Bedroom chores · all 3 done ✓
Savings goal$47 / $60
Penny2m agoPurchase request
Roblox · $12.99
Penny5m agoCard swiped · $2.50
7-Eleven · Spend pocket
Spend remaining$10.00
For kids
Learn.
Compound Interest
Save $5/week from age 10.
$4,461by age 20
You put in$2,600
Interest earned+$1,861
“Compound interest is the 8th wonder of the world.” — Albert Einstein
Compound interestNeeds vs. WantsBudgetingDelayed gratificationInvesting basicsGiving back
Four pockets.SaveSpendInvestGive
*Allocation is customisable.
The Penny Card
A card they earn, not one they are handed.
When a kid hits their savings goal, Penny ships their own real debit card. They worked for it, it's theirs. That's how financially responsible adults are built.
Real Mastercard debit cardTap to pay enabledEarned, not giftedParent-controlled limits
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