Free · for kids 6–12 · no bank, no card

Allowance, chores and savings. You're the bank.

Your kid taps the day's jobs; you stamp them with a PIN. Sunday pays into a Spend jar, a Grow jar earns the 5% interest you pay, and a goal fills ten boxes. The cash stays in your wallet. JarSprout keeps the book.

Set up my family — it's freeSee a week
You hold the cashNo bank, no cardFree, no adsTwo minutes to set up

How a week works

Two taps a night. One ritual on Sunday. Five minutes on the first.

Every night

Jobs get checked. A grown-up stamps.

Your kid taps their jobs on their own screen — reading, teeth, backpack, room. At bedtime you glance, enter your PIN on their phone, and the day is stamped. Twenty seconds.

Sunday

Payday into the Spend jar.

The week replays, the jar fills, and you hand over the real coins. Only stamped days pay. A perfect week pays $11.75 on the default sheet — change any number.

+$10.25 · 6 of 7 days stamped
The 1st

Over the line moves to Grow. Grow earns 5%.

Anything above the $50 line moves to the Grow jar, you pay 5% on what's there, and a goal box fills. Five guided minutes, together. The app does the math; you do the talking.

+$4.92 interest a new goal box

The system

Six rules. All of them yours to change.

It started as a sheet of paper on a fridge. The rules are simple enough for a 7-year-old to recite and strict enough that the money means something: below the line they wait, no advances. Every number is per kid — two kids, two deals.

Perfect week$11.75
Spend jar line$50over it moves to Grow
Grow interest5%a month, you pay it
Always stays in Grow$50
Ask first over$20
Goal boxes10one per 10%

Why you pay the interest

They don't learn compounding from a 0.5% savings account.

Five percent a month is absurd for a bank and perfect for a parent: it's small money that visibly grows. That's the lesson. It's your money, so set any rate, cap it, or turn it off.

Made for real bedtimes

Designed around the moments, not the menus.

One phone, two people

Kids tap jobs on the shared phone. You stamp with your own 4-digit PIN. No logging out, no swapping accounts.

Extra money in five seconds

Helped Grandma? Tap +, pick $2, say why. They get it as a sealed letter with your words on it. It's a diary of the good stuff.

A passbook, not a feed

Every stamp, payday and extra is written in a ledger your kid can read — with the grown-up's name on each line.

For kids

What your kid sees.

Their own sign-in: your family code plus a PIN, no email. Big checks, real numbers, and a screen that answers "how much do I have?" without asking you.

  • Today: jobs grouped morning, after school and bedtime, with checks a six-year-old can hit, and a 7-dot strip showing which days are stamped.
  • Jars: two jars drawn to the real amounts, the line and the "$50 stays" band written on them, and a goal with ten boxes.
  • Ask to buy: three checks before the ask — do I have enough, is it over the ask-first line, can I sleep on it — so "ask first" happens in the app, not in the checkout line.
  • Passbook: every line in kid words with the grown-up's name on it, stickers for stamped perfect days, and a streak with a best.

Already have a code? Kid sign in →

Compared with card apps

Real coins beat a debit card at seven.

Card apps charge $5–15 a month and put a debit card in a seven-year-old's hand. JarSprout is a ledger for the money you already give them. You stay the bank, and the cashier.

FeatureJarSproutKids' debit cards
Monthly cost$0$5–15 a month
Bank account neededNoYes
The moneyReal coins and notes, in jarsA card balance you top up
Who holds itYou doThe app's bank partner
InterestYou pay it — 5% a month by default1–5% a year, if any
Who signs offA grown-up stamps each dayAutomatic transfers
Best ages6–12 — a code and a PIN, no email8 and up, with a card
AdsNoneVaries

Fees and ages are the publicly listed plans as of October 2026. Check theirs before you choose.

Where it came from

Built from one family's money sheet.

Before it was an app, it was a sheet of paper on a fridge: six jobs, a price next to each, a line at $50, and "5% on the 1st" underlined twice. Payday was Sunday with real coins. It worked for two kids for over a year — except the jars kept getting raided and nobody could remember who'd paid what.

JarSprout is that sheet with a memory. The defaults are the numbers that were on the fridge. Nothing here has been tested on thousands of families yet; it has been tested at one kitchen table, nightly. If it's useful to yours, we'd like to hear it — hello@jarsprout.app.

Questions

Things parents ask.

Is this a bank?

No. JarSprout never holds, moves, or touches real money. It's the passbook for your family's allowance deal. When your kid "spends" from the Spend jar, you hand over the cash or buy the thing, and it's written in the book. Nothing to link, nothing to insure.

Does my kid need a phone?

No. Most families use one shared phone or tablet. The kid signs in with a family code and their own PIN; you stamp with your own PIN on the same device, without logging anyone out.

Do I really pay 5% a month?

It's the default from the paper sheet, and yes — on a $100 Grow jar that's $5. It's the cheapest money lesson you'll ever buy. Set it to 2%, 1%, cap it, or turn it off. One setting, per kid.

What if we miss a night?

Stamp it tomorrow. Jobs that were checked but never stamped don't pay on Sunday — and payday asks "Stamp Saturday too?" before it pays, so nobody loses money to forgetfulness. A skipped week is a short week, not a mess.

What data do you keep?

Names, jobs, amounts, goals, your email, and PINs (hashed, never stored in plain text). No bank logins, card numbers, addresses, or location. No third-party trackers. Ask us to delete your family and it's gone. Details on the privacy page.

Two jars. One goal.
Money that grows.

Set up takes two minutes. Tonight's stamp takes twenty seconds.

Set up my family — it's free

Or — no account needed.