Penny Time - Finance for kids

Employee of the month

About this app

Raise kids who understand how money works.
Penny Time is a financial literacy app for kids aged 8 to 14 that turns allowance into real-world money lessons. Kids see how money grows, how choices shape outcomes, and how to think long-term, building the money instincts adults wish they'd learned earlier.
How it works: Kids see short decision moments that use tiny amounts of their allowance. "Use $3 to help Olli set up his lemonade stand, or keep it?" If they invest, their money is locked for a few days. A notification tells them how it turned out. A few minutes a week is all it takes.
More than just saving: Piggy banks teach kids to save, not how money behaves. Penny Time builds real money skills through hands-on practice, the kind of financial literacy that actually sticks because kids learn by doing, not by watching lessons.
What kids learn: Budgeting, planning ahead, patience, and understanding trade-offs. The everyday financial decisions that shape how adults handle money, practiced safely, in kid-sized amounts.
Parents stay in charge: You're the bank. Set your kid's allowance and approve when they want cash. No bank accounts, no debit cards, no chores, no setup. Penny Time is a simple allowance tracker for parents and a financial education app for kids, in one.
Best for ages 8 to 14. Simple for parents. Empowering for kids.