Most adults learn budgeting the hard way: after their first overdraft. My Coin gives kids the calm, visual version — three buckets (save, spend, give), age-appropriate percentages, and instant feedback. It's the budgeting class school never gets around to.
The save-spend-give method has decades of research behind it. We make it the default and remove all the friction.
When a percentage of every coin earned flows into savings without thinking, saving becomes the path of least resistance — exactly the lesson.
Your child can spend their spend bucket without negotiation. That permission is the secret to budgets that actually stick.
A 90-second Sunday review becomes a family budgeting ritual that quietly cements the habit for life.
You define the rules and percentages. Your child makes the choices inside the rules. Discipline + autonomy — the parenting sweet spot.
Nothing inside the app is spendable currency. The skills, however, transfer perfectly to real money the moment your child is ready.
Budgeting is the foundational financial skill. Earning matters, saving matters, investing matters — but none of them work without the underlying habit of allocating what you have on purpose.
Kids who never see budgeting in action grow up thinking money is something that just happens to them. Kids who watch a budget work — even a tiny one with coins, not dollars — grow up assuming they are in charge of their money.
The mechanics are the same at every scale. A child managing 30 coins per week between save, spend and give is rehearsing exactly the muscles that, two decades from now, will keep them out of credit card debt and on track for retirement.
The spend bucket makes the limit visible. There's no battle, just a clearly empty bucket and a lesson that lands.
The spend and give buckets give permission to enjoy and to share, balancing the saving instinct into a healthy whole.
Different ages can run different percentages — a 6-year-old's 50/40/10 and a 12-year-old's 30/60/10 in the same family view.
The "give" bucket turns generosity from a one-off lecture into a recurring habit your child opts into themselves.
Start with a default like 50% save / 40% spend / 10% give, or set your own. Adjust as your child matures.
Every coin awarded for chores or allowance splits across buckets automatically. No math, no manual sorting.
Spend coins on small reward goals; save coins toward bigger ones; give coins to a family-chosen cause each month.
A 90-second Sunday recap shows where coins went this week — the only budgeting habit kids really need to start with.
Three buckets. Two minutes to set up. A skill that pays dividends for the rest of their life.
Create your free family accountFree forever for 1 kid. Upgrade anytime.