A kids' allowance tracker that doesn't need a fintech account.
You do not need to open a bank account for a nine-year-old to run pocket money. You need a page.
The kid-fintech category has an interesting business model: charge the parents a monthly fee, collect the child's behavioural data for later, market the debit card. An offline ledger and a jar of coins does the same educational job for zero of that.
Earnings, savings, spending
Three columns. Money in from chores or gifts, money assigned to a jar, money spent. Same shape as an adult budget — smaller numbers.
Real jars beat abstract ones
The tracker records the accounting; the jars on the kitchen shelf do the pedagogy. Both together beat either alone.
Grows with them
When the pocket money becomes a real bank account, the file becomes their first personal budget. Continuity, without the fintech company in the middle.
What to reach for
Common questions
What if the child wants their own copy?
Give them a copy of the file. It's theirs. That is what ownership means; teach it now.
Interest?
Add a monthly interest line if you want to teach the concept. Two-percent on ten pounds is the shape of the lesson.
Compared to Greenlight / GoHenry?
Those are card products with monthly fees. This is a page. Different purposes; use both if you want.
Does it teach investing?
No — deliberately. Savings first; investing has its own file, later.