Penny Time - Finance education

Raise kids who understand how money works. Penny Time turns your child's allowance into real-world money lessons. Kids see how money grows, how choices shape outcomes, and how to think long-term. 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 the instincts adults wish they'd learned earlier. Parents stay in charge You're the bank. Set the allowance and approve when they want cash. No bank accounts, no debit cards, no chores, no setup.

Best for ages 8 to 14. Simple for parents. Empowering for kids.