For families with kids 6–17
Raise a kid who’s
Allowance that arrives on the right day without you remembering. A balance that is always true, down to the penny. And one price for the whole family, however many kids you have.
Free while we’re in early access · $4.99 a month for the whole family after that
- Fri 1AllowanceEvery Friday+$8.00
- Fri 8AllowanceUnspent — it rolled over+$8.00
- Fri 15AllowanceYou raised it to $10+$10.00
- Fri 22AllowanceEvery Friday+$10.00
Right now, your kid’s money is
a number in your head.
You owe them three weeks of allowance. They think it’s four. Somewhere in there they did the dishes all week and you said you’d sort it out later. Nobody wrote any of it down, so the answer is whatever you both remember — and you remember differently.
How it works
Set it once, then it runs itself.
- 01
Add your kids
Each one gets their own balance and their own rules. A six-year-old and a sixteen-year-old are not the same problem, and they do not get the same settings.
- 02
Set the allowance once
Amount, weekly or monthly, and which day. It pays the current period straight away and posts itself from then on — on the right day, in your timezone, whether or not anyone opens the app.
- 03
You both read the same page
A balance, and every line that produced it. Nothing to reconcile, nothing to remember, and no arguing about what was spent — because it is written down.
Why it’s different
Built like a ledger,
not like a piggy bank.
Your money never leaves your bank
There is no card, no bank partner and no wallet holding your family’s cash. It stays where it already is — with you. Pennies Up is the record of whose it is.
Nothing to open. Nothing to fund. No minimum.
Nothing can be quietly edited
Entries cannot be changed or deleted — the database itself refuses. A correction is a new line that points at the one it cancels, so the history stays readable and a mistake stays visible.
Corrections, not edits.
A balance that is always true
No balance is stored anywhere. Each one is the sum of the lines that made it, computed fresh, so it cannot drift away from them. And when something is wrong on our end the app says so, instead of showing you a confident $0.00.
Every number traces back to a line.
One app, three ages
A seven-year-old and a sixteen-year-old do not need the same screen.
Jars
Bigger type, fewer things on screen, one question at a time. What have I got, and what did I spend.
Explorer
The full statement, in their language. They start seeing patterns — that the snacks add up, that the extra jobs are worth doing.
Teen
The same dense, tabular view you use. At this age a simplified interface reads as a toy, and they stop opening it.
Where we are
We’d rather tell you
than let you find out.
Pennies Up is early. Here is exactly what you can do today and what we are building next — and everything below is included in the same $4.99 when it lands. No upgrade to buy.
- A separate balance and separate rules for every child
- Allowance by amount, weekly or monthly, on the day you pick
- Correct paydays in your own timezone, across daylight saving
- Roll over what they don’t spend, or don’t — your call
- A full statement for each child, every line accounted for
Logging what they spend
Photograph a receipt or type the amount, choose the child, and it comes off their balance once you confirm it.
Jobs around the house
A list they can mark done and you approve, with a bonus you decide in the moment.
Owing you money, safely
Let a balance go below zero and charge a fee or a rate on what is owed, capped so a small mistake can never spiral.
Saving toward something
A goal with a number and a date, and an optional bonus you pay from your own money to reward them for waiting.
Practice investing
A simulator at real market prices so they can learn how it works. Simulated only — no real securities are bought or sold.
An AI money coach
Opinionated about spending, honest about risk, and it will never tell your child what to buy. Education, not advice.
Pricing
One price. Every child.
Every feature.
Not per kid. Not a starter tier. There is no upgrade to buy, no fifth-child surcharge, and no phone call to cancel.
- Every child — no cap, no per-child charge
- Every feature, including the ones still being built
- Their own balance, allowance and rules, each
- Cancel in the app, in two taps
Free while we’re in early access. We will tell you before that changes, and you will never be charged without agreeing to it first.
Every child gets their own balance, their own allowance schedule and their own rules. The price does not move.
Start with this Friday’s
Add your kids, set an amount, and it pays the current week straight away. Two minutes, and you never have to remember again.