Earn
See how money is received through allowances, paid jobs, rewards and other earnings.
Financial literacy for real family life
Smarty Bucks
Smart Money for Smart Families.
Help kids learn how money works — by actually managing it.
Smarty Bucks helps families turn everyday money experiences into practical financial lessons. Kids can earn, save, spend, make choices and see the consequences — with parents there to guide them.
Learn while the stakes are small.
Some of the best money lessons come from real decisions: save it, spend it, earn more, or wish you had chosen differently.
Kids don't learn about money just by being told about it.
They learn when they want something that costs more than they have. When they save towards something they really want. When they spend their money and later wish they hadn't. And when effort, responsibility and choices have real consequences.
How much do I have?
What am I saving for?
Can I afford it?
Is it worth it?
The learning loop
Earn. Choose. Save. Spend. Learn.
Smarty Bucks gives kids a safe place to practise the decisions they'll make throughout life.
Choose
Spend now, save it, or work towards something bigger. Having money means making choices.
Save
Set goals, watch progress grow and experience delayed gratification in a practical way.
Spend
Make real spending decisions and see how each purchase affects what's left.
Learn
Good choices and poor choices can both teach valuable money habits.
Let kids practise managing money while their mistakes are still cheap.
Built for real family money
More than a digital chore chart.
Smarty Bucks gives families practical tools to create the approach that works for them.
Chores & Responsibilities
Not every chore needs to earn money. Some can be paid opportunities; others can simply be responsibilities children are expected to complete.
Earnings & Allowances
Track regular pocket money, paid chores and other earnings so children can see where their money comes from.
Savings Goals
Turn “I want that” into something to work towards, with visible progress along the way.
Spending
Record real-world purchases and spending requests so balances stay meaningful and kids understand what each choice costs.
Rewards
Recognise extra effort, achievement or behaviour worth celebrating.
Penalties & Consequences
Actions have consequences. Families can apply a penalty when an agreed responsibility isn't completed or another family rule isn't followed.
Sibling Transfers
Let children transfer money between siblings while keeping everyone's balances clear and accounted for.
Balances & History
Help kids understand not only how much they have, but what they earned, spent, saved, received or transferred.
Optional Time Features
Money isn't the only thing kids learn to manage.
Families can optionally track categories such as Screen Time and Games alongside money. Kids can see what time is available and learn to manage another limited resource within the same family system.
Use the Time Features if they work for your family — or leave them off if they don't.
For parents
Better money lessons for them. Less keeping track for you.
Keep family money agreements, balances and activity in one place instead of relying on memory, notes or IOUs.
Clear family dashboardSee balances, chores and items needing attention.
Flexible choresPaid jobs, $0 responsibilities, schedules, due dates and penalties when appropriate.
Approvals & oversightReview chore completions and spending requests while kids stay involved.
Shared family accessInvite another parent and optionally give children age-appropriate access.
Notifications & summariesKeep up with chores, spending and family activity without constantly checking.
One consistent recordSee what was earned, spent, rewarded, penalised, transferred and saved.
Your family. Your rules.
Smarty Bucks doesn't tell you how to parent.
Some families pay for chores. Others expect everyday responsibilities without payment. Some use regular allowances, extra earning opportunities, rewards or penalties. Smarty Bucks gives you the tools to build the system that works for your family — and helps your kids learn from it.
Start building smarter money habits.
The financial decisions children make today might be small. The habits they're developing can last much longer.
Smart Money for Smart Families.
Download Smarty Bucks on the App StoreKids & Money
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Help & documentation
User GuideLearn how families use Smarty Bucks.
SupportQuestions or feedback? Get in touch.
Privacy PolicyHow we handle your data.
Terms of ServiceTerms for using Smarty Bucks.
Invited as a secondary parent? Use the link in the email from the primary parent to set your password. If you opened this site first, go back to that email and tap the invite link.