Allowance
An optional fixed allowance, credited automatically every week or month.
Learning to budgetFinancial literacy for kids 4+ · iPhone & iPad
So money never
stays a mystery.
Munzy gives kids an early feel for where money comes from, why waiting pays off and how saving grows. Playful, with virtual money and no bank account needed. The foundation many of us never got as kids.
Developed together with a qualified educator
Most of us learn healthy money habits far too late.
What financial experts recommend is really quite simple. Saving, patience, deciding deliberately instead of buying on impulse. The hard part is picking it up as an adult, once old patterns are already set.
That's because how we handle money is mostly habit, and habits form early. Kids pick up a lot of it from watching their own parents, for better or worse. Without meaning to, we often pass on the gaps we never closed ourselves.
That's where Munzy comes in. Parents and kids build good habits together, playfully, right from the start. Habits formed in childhood carry through a lifetime, with none of the hard work of relearning them later.
Three steps to savings of your own
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1
Complete a task
The child checks off a finished task, from setting the table to tidying their room.
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2
Parents confirm
You take a quick look and approve it. Only then does the reward land in the Munzy account.
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3
Save & grow
Leaving it be pays off. The balance earns interest, and it keeps growing.
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A wish gets a picture and a progress bar.
🍦 Ice cream, 🎒 a school bag, 🎁 a gift for Mom. Kids set their own goals and watch the bar fill up bit by bit.
Every goal gets a photo. That turns an amount into a thing worth looking forward to.
They pick up something that is hard to explain in words: that waiting feels like anticipation once you can see how close you already are.
Patience & anticipation -
Money that grows on its own.
Savings earn interest, set by you, per child. Shown in real money rather than percent, because a six-year-old understands “$1.00” and not “2 %”.
That is the moment saving stops feeling like going without.
Understanding growth -
Lessons you do together.
The doubling magic, the 4-week saving challenge, “Need or want?” — small guided exercises with an age range on each, made to be repeated. Kids learn about money mostly by copying. So the parents join in.
Learning by example
The doubling magic
One cent becomes more than you'd think.
One of the lessons inside Munzy: double a single cent every day, and after 10 days you already have $5.12 — after 30 days, over five million. The same power sits behind saving, just calmer. Kids get it once they see it.
And everything else a family needs
Every feature has an educational purpose. The green tag shows what your child learns from it, right from preschool age.
Tasks & weekly list
One-off and recurring tasks, daily or weekly. The child checks them off, you confirm — only then comes the reward.
Money comes from workMoney gifts
Log amounts with a note — “$100 from Grandma” shows up in the child's history, with a reason.
Value & where it comes fromHistory
Every credit, every interest payment, every payout. Visible to the child.
- Streaks & achievements Small rewards for sticking with it and saving, no pressure, no point-hoarding.
- Widget The balance on the home screen. A tap opens the child's profile.
- Read-aloud Munzy's own lines and the tip of the day are read aloud, in a natural-sounding voice that ships with the app.
- Multiple kids Separate profiles, separate goals, deliberately no comparing siblings.
Thoughtfully designed, not just colorful
Every decision in Munzy follows one idea: kids should learn a healthy, self-directed relationship with money.
Chores stay chores
Tasks can be marked paid or unpaid. Pitching in as a family is a given. Not everything needs a reward.
Saving gets the spotlight
The app's best moments belong to putting money aside. That makes saving a reward in itself.
The child decides
What the savings get spent on is up to the child, no questions asked. Making their own decisions is the most important part of learning.
- No real money Everything is virtual. No bank account, no link to real money. Payouts happen whenever you like, in cash, hand to hand.
- No sneaky tricks No ads, no point-hoarding, no login streaks bribing you back in. Nothing designed to pressure kids into coming back.
- Learning together The Discover section brings small money challenges for the whole family. Parents lead by example.
Made for parents — and reassuringly simple
- A private parent area behind a PIN, separate from kid mode.
- Multiple kids, each with their own profile and savings goals.
- Confirm tasks, set interest rates, pay out in cash. All in your hands.
- Your data stays with you, on the device and in your private iCloud. No account, no sign-up, no tracking.
- Developed in Switzerland, with privacy built in from day one.
Now on iPhone and iPad
Munzy is here. Download it on the App Store and get started.
Download on the App Store
On a computer?Point your iPhone camera at the code.