NEW The Daily List: habits, streaks & Perfect Days

Money is earned, not given.

CubWallet is a first money app for families. Kids earn from chores and jobs, build daily habits, split every dollar into Save, Spend and Give jars, and even run their own mini-business. You approve every step, and no real money ever moves.

Download on theApp Store Android coming soon

Try it before you create an account · 14-day free trial · From $1.99/month · Watch it work

COPPA compliantNo bank or cardUnlimited kidsiPhone & iPad
CubWallet kid home screen showing a $42 total split into Spend, Save and Give jars, with goals for a new bike and a Nintendo game.
Fits your family

Works however your family does money

Money can come from anywhere. The lessons are the same: earn it, divide it, grow it, give some away.

🧹

You pay for chores

Set a price per chore. Kids mark it done, you approve, and the money lands in their jars.

💼

You pay for extra jobs

Everyday chores stay unpaid. Bigger jobs, and the ones kids pitch themselves, earn commission.

🎁

You don't pay for chores

Add birthday money, gifts or an optional weekly allowance. Kids still learn to sort, save and give.

How it works

One loop kids repeat until it sticks

Watch a week of Emma's money move. Every dollar lands in a jar, and the total always adds up.

Emma's total$36.00
Spend$12.00
Save$20.00
Give$4.00

Every dollar has a job.

  1. STEP 1

    Earn

    Kids finish a chore, a job or a sale and send it to you for a check.

  2. STEP 2

    Approve

    One tap from you and the balance updates on every device. Nothing pays out without you.

  3. STEP 3

    Sort

    Kids split the money into Save, Spend and Give, and watch their goals fill up.

  4. STEP 4

    Choose

    They ask to spend, lock money into long-term savings, or pick a cause to give to.

Emma's Daily List

🔥 6 days

Tap the last two to finish the day

Daily ListNEW

Good habits, no payment required

Some things kids should do just because. The Daily List gives them a simple checklist right under their chores, and a streak worth protecting.

  • Build it in seconds. Add habits from your home screen and every kid gets the list.
  • Streaks and Perfect Days. Finish every habit and the screen celebrates. Miss a day and the 🔥 resets.
  • Pay for one if you want. One tap turns any habit into a rewarded chore.
Savings and Goals screen with a Savings Jar, a locked Long-term Savings account and a savings race.
Jars & goals

Every dollar gets a job

Kids see exactly where their money is and what it's for, so saving stops being abstract.

  • Save, Spend and Give jars. Kids sort each payout themselves, so they decide what money is for.
  • Savings goals. A new bike or a game, with a progress bar that fills as they save.
  • Long-term savings. Money kids lock away stays put until a parent unlocks it.
Parent home screen showing a $70 family balance, a pending approval, and Emma's Spending, Saving and chore totals.
For parents

You're the bank. CubWallet keeps the score.

A clear view of what each kid earned, saved and spent, and nothing moves until you say so.

  • Approve with one tap. Chores, spend requests and withdrawals all wait for you.
  • Add money any time. Birthday cash, gifts or a business deposit go straight into their account.
  • Kid PINs. Each child logs in with their own 4-digit PIN. Siblings can't see each other's money.
Entrepreneur ModeFamily Tools

Their first business, start to finish

A lemonade stand, a car wash or a batch of bracelets becomes a real lesson in costs, pricing and profit.

  1. Business idea picker with Lemonade Stand, Friendship Bracelets, Dog Walking, Car Wash, Baked Goods and Slime and Crafts.
    STEP 1

    Pick an idea

    Lemonade, bracelets, dog walking, a car wash, or something they invent.

  2. Lemonade Stand plan showing $2 per cup, $7 in supplies and $33 potential profit, with a Pricing Lab slider.
    STEP 2

    Plan the numbers

    Estimate supplies, test prices in the Pricing Lab and see the potential profit.

  3. Cash register with a two-item order of cups of lemonade totaling $4 and a Charge button.
    STEP 3

    Ring up sales

    Their own sell buttons turn the phone into a cash register.

  4. You made $6.00 in sales, with choices to keep growing, keep the cash or deposit to my account.
    STEP 4

    Keep it or deposit it

    Keep growing, keep the cash, or deposit it and sort it into their jars.

Also inside: how to pitch the idea to parents, real supply costs compared with the plan, advertising experiments, and optional startup loans from you.

Also inside

The rest of the toolkit

🎮

Perk rewards

Pay chores in screen time, gaming, a late bedtime or a treat instead of cash.

📚

Grade rewards

Set a bonus for A's and B's. Kids submit grades and you approve.

💡

Suggest a chore

Kids pitch a job and name a price. You approve, adjust or pass.

📅

Optional allowance

Turn on a weekly allowance, or leave it off and keep it all earned.

🏠

Rent & Bills

Kids budget for pretend rent, utilities and groceries from their Spend jar. Family Tools

📸

Chore Photos

Kids snap a photo of the finished chore. It's deleted right after you review. Family Tools

🏆

Badges & XP

32 badges across 8 categories keep kids coming back.

🎓

Money lessons

Short lessons in the Learn tab on saving, needs vs. wants and how money grows.

🎨

Young & teen styles

Bright and simple for kids 10 and under. A sleek dark view with levels for teens.

See it work

A chore, approved and paid, in under a minute

This is the real app. A parent adds a chore and sets the reward, the kid marks it done, and the balance updates the moment it's approved.

Download on theApp Store

You can explore the app and add your first kid and chore before you make an account.

Free printables

Start teaching tonight, no app needed

Print-and-play money activities for the fridge, the kitchen table and family game night. Free PDFs, no email required.

Jar Quest game cover

Jar Quest

A family board game. Split your money into three jars and race to own something from each. Ages 5+, 2 to 4 players.

Download PDF ↓
 My Weekly Routine checklist cover

Weekly Routine

Morning, afternoon and night checklists plus a money page. Frame it and reuse it with a dry-erase marker.

Download PDF ↓
 Complete Kid Business Kit cover

Kid Business Kit

Plan it, budget it, fund it and run it. Proposal, expense sheet, sales record and a profit split. Ages 6 to 14.

Download PDF ↓
 Money Basics for Kids activity pack cover

Money Basics

The four jars, needs vs. wants, counting coins and a savings goal tracker. Ages 5 to 12.

Download PDF ↓
Pricing

Less than a pack of gum a month

Both plans include every core feature, unlimited kids and a 14-day free trial.

Monthly
$1.99

per month after your free trial

  • Unlimited kids, chores and rewards
  • Daily List, jars and savings goals
  • Syncs across iPhone and iPad
Start free trial
BEST VALUE · SAVE 46% Yearly
$12.99

per year, about $1.08 a month

  • Everything in Monthly
  • Two months free
  • One payment for the whole year
Start free trial
Family Tools add-on
$5.99

one time, yours forever

  • Entrepreneur Mode
  • Rent & Bills
  • Chore Photos
See Entrepreneur Mode

Subscriptions auto-renew until canceled in iPhone Settings. Family Tools is optional and not needed for chores, habits, jars or goals.

FAQ

Questions parents ask

Does CubWallet handle real money?

No. CubWallet is a ledger for your family. It tracks balances so kids can practice, but no real money moves, and there's no bank connection or card. When a kid wants to spend, you hand them the cash yourself.

Do I have to pay my kids for chores?

No. Plenty of families don't. You can use unpaid chores and the Daily List for responsibilities, and add money from gifts, birthdays, an optional allowance or a kid's own business. The jars and goals work the same way.

Can I try it before I sign up?

Yes. Download the app, add your first kid and chore, and see the jars fill before you create an account. Then you get a 14-day free trial.

How do kids log in?

You set a private 4-digit PIN for each child. They tap their name, enter the PIN, and land on their own dashboard. Siblings can't see each other's balances.

Is CubWallet COPPA compliant?

Yes. Only the parent creates an account. Kids never enter personal information and log in with a PIN only. Chore Photos are deleted right after you review them.

What ages is it for?

Kids around 5 to 15. Kids 10 and under get a bright, simple view. Teens get a darker view with levels and XP. Same features underneath.

Is CubWallet on Android?

Not yet. An Android version is coming soon. Right now CubWallet runs on iPhone and iPad.

Can we use it on more than one device?

Yes. Sign in on any iPhone or iPad and your family's data syncs.

How do I cancel?

iPhone Settings → your name → Subscriptions → CubWallet → Cancel Subscription. You keep access until the end of the billing period.

Our mission

Teach a billion kids about money, before they're too old.

CubWallet was built by a parent who wanted kids to learn saving, budgeting and giving while mistakes still cost nothing. Money habits form young. This is a simple way to start.

Download on theApp Store

Free to download · 14-day free trial · Cancel anytime · Android coming soon