Small coins. Big futures.

Parents set up practice coins — no bank, no card, and the app never moves real money.

Illustrated family in a warm kitchen with practice coins and a jar of savings. Left side open for headline. Illustration made with AI.

Small coins. Big futures.

What your kid learns today with a few coins, they use for life.

KitsWallet is an allowance and pocket money app where kids earn practice coins for chores and routines. No card. No real money. Just small habits that grow with them.

Download on the App Store Get it on Google Play

Scan to download on your phone

Try Family free for 7 days

Free forever with 1 wallet · Practice coins only, no real money · Formerly KidsWallet

Start the trial inside the app. Cancel at least 24 hours before it ends and you won't be charged.

At 6, it's a coin in a jar. At 40, it's how they handle a paycheck.

Nothing is set in stone at 6. But the US Consumer Financial Protection Bureau says kids' money habits and norms really start taking shape between ages 6 and 12. That's a lot of kitchen-table moments to practise in.

Today

Sofi waters the plants and earns 5 coins.

This week

She decides to keep 3 for Saturday.

One day

She's the adult who pauses before buying, and knows why.

Sofi is our illustrated demo kid. Source: CFPB, Building Blocks (2016).

CFPB, Building Blocks (2016)

See how it works in 3 steps ↓
Parent and child adding practice coins on a phone

A note from the founder

Hi, I'm Pablo. I built this for my own kids.

It started with a real need at home. I wanted to give my kids a first taste of basic economics: money, saving, spending and investing.

Every feature came from a moment when I needed a better tool. When I gave them their allowance in real coins, they spent it all on ice cream the same day. Virtual coins aren't as easy to spend, and I can tempt them to invest and earn a little more.

Going anywhere with toys used to mean a huge tantrum if I didn't buy something. Now I offer them the chance to buy it themselves with their own coins, or I simply tell them they don't have enough yet and need to keep earning and saving.

My kids want coins, so rewards motivate them, and warnings teach them that actions have consequences. Random tasks were my oldest son's idea — he was thinking about how to earn more coins. Daily tasks came later as a Family feature for routines.

— Pablo

See the habits it builds ↓Write to me
Parent comforting a child after a hard moment

The habits you'll build together

Every feature came from a real moment at home. Here's where each one started.

Kids brushing teeth in a daily routine

Born from my oldest son's idea: he was thinking about how to earn more coins.

Effort turns into something they can see.

Custom tasks and random tasks (up to 3 active on free). Daily tasks are included with Family. You choose which ones earn coins.

See the 1-minute tutorial →
Kids celebrating stars and coins

Born from a simple truth: my kids want coins.

Good choices get noticed. Actions have consequences.

Rewards that motivate, and calm warnings for the rules you agreed on.

See the 1-minute tutorial →
Family watching coins fill a jar

Born from an ice-cream afternoon: real coins were gone the same day.

An allowance that lasts longer than an ice cream.

Automatic allowance [pocket money]: set it once, coins land on the day you choose. Virtual coins aren't as easy to spend.

See the 1-minute tutorial →
Kids paying with coins at a toy shop

Born from a toy-shop tantrum.

"Buy it with your coins" or "not enough yet", instead of a tantrum.

Withdrawals at the coin-to-cash ratio you decide (you do the swap in person), plus savings goals to keep earning and saving.

See the 1-minute tutorial →
Family learning how savings can grow

Born from wanting them to invest, not just spend.

Discovering that waiting is worth it.

Term deposits that earn the interest you set, and simulated investments with virtual stocks, no real markets.

See the 1-minute tutorial →
Grandparents sending coins to the family

Grandparents close, even from far away.

Deposit link: family can send coins from a web page. Every deposit needs your approval.

See the 1-minute tutorial →

See all features and tutorials · Features

An allowance and pocket money app in 3 simple steps

1

Create a wallet

Add your child's name and pick what a coin is worth in your house.

2

Pick 3 tasks

Feed the dog, make the bed, read for 10 minutes. You decide what counts.

3

Celebrate the first coins

When a task is done, the coins land in their wallet. Then talk about what to do with them.

Want it to run on its own? Family adds automatic allowance [pocket money], daily tasks and reminders.

Download on the App Store Get it on Google Play
Try Family free for 7 days
More about how it works

What the research says (and what it doesn't)

1,037 kids, followed to age 32

In a long-running New Zealand study, more self-control in childhood was linked with fewer money problems as adults, even after accounting for IQ and family background.

Moffitt et al., PNAS (2011)

These studies show links, not guarantees. We'll never promise results, just a simple, calm way to practise.

  • Practice coins only. No card, no bank, and the app never moves real money.
  • No ads.
  • We never sell your data.
  • You're in charge. Everything runs from the parent app; kid login is optional.
  • Family deposits need your approval.
  • Delete your account anytime.
  • Made by an independent dad in Auckland, not a bank.
  • Rated 4+ on the App Store (age rating).

Read our privacy policy · Delete your account anytime.

Practice first. Real money later.

Kids' debit cards can be great when they're ready. Before that, there's a gentler first step.

Kids' debit cards can be great when they're ready. Before that, there's a gentler first step.

Cash jar
Practice coins (KitsWallet)
Kids' debit card apps
Real money involved
Yes
No
Yes
Needs a bank account or card
No
No
Usually
What a mistake costs
Real cash
A few practice coins
Real money
Allowance, routines and patience tools
Up to you
Yes (allowance, routines and term deposits in Family)
Varies
A good fit for
Any age
The first years of practice
When they're ready to spend for real

When they're ready for a real card, they'll arrive with the habits already in place.

See the full comparison

Start free. Grow into Family.

Free

$0, forever

  • 1 wallet
  • Manual coins
  • Up to 3 active tasks (custom + random)

Perfect for trying it with one child.

Download on the App Store Get it on Google Play
Everything included

Family

7 days free, then from US$4.99/month or US$44.99/year (US)

Everything in KitsWallet, including:

  • Unlimited wallets, one for every child
  • Unlimited tasks, plus daily tasks (routines) and random tasks
  • Rewards and warnings
  • Automatic allowance [pocket money]
  • Deposits, withdrawals and history
  • Savings goals
  • Term deposits
  • Simulated investments
  • Transfers between wallets
  • Deposit link for grandparents and family
  • Optional kid login
  • Family Sharing on iOS
Download on the App Store Get it on Google Play

Family is our only paid plan: there's no higher tier. Start the trial inside the app; cancel at least 24 hours before it ends and you won't be charged. Prices vary by country, and the store price at checkout always applies.

Compare plans in detail

Frequently asked questions

Is KitsWallet real money?

No. Parents set up practice coins. There is no bank and no card, and the app never moves real money.

What are the plans?

Free stays free forever: 1 wallet with stars and warnings (manual coins), up to 3 active tasks (custom + random) and withdrawals. Family includes 7 days free, then from US$4.99/mo (US; prices vary by country) and includes everything — unlimited wallets, daily tasks, automatic allowance, deposits, history, term deposits, simulated investments, kid app and savings goals.

What ages is it for?

There is no hard age limit. Parents enable features per wallet — from stars for preschoolers to investments for teens.

Does my child need their own device?

No. You manage everything from the parent app. Kid login on their own device is optional (included in Family), not required.

How many children can I add?

Free includes 1 wallet. Family has no limit — one subscription covers your whole family.

Is a bank account required?

No bank account or debit card is needed. You define what coins mean and when they convert to real-world rewards.

Are investments real stocks?

No. Investment prices follow an educational algorithm. They simulate trends for learning — not real market data.

How do I delete my account?

Use the account deletion form linked in the footer. We process requests within the stated SLA.

Small coins. Big futures. Start tonight.

One wallet, three tasks and one conversation at the kitchen table. That's enough to begin.

Download on the App Store Get it on Google Play

Practice coins only. No card, no real money. No ads.

KitsWallet (formerly KidsWallet)

Illustrations made with AI. Sofi and Mateo are fictional characters.

Questions or suggestions?

We are always improving KitsWallet. Send us a message.