- Take out trash50
- Tutor neighbor75
- Tidy room100
Ana · Banker
Earn at Piggy Bank
Chores, wishes, side hustles - every finished task pays out. Ana approves the deposit and the coins land in your kid's Piggy Bank account, instantly.
Smart parenting. Lifelong discipline and financial education.
Thechoreappkidslove.
Routines become quests. Quests pay coins. Coins can be invested or spent. Underneath it all: a quiet little economy that teaches kids discipline, saving, and growth.
While on worthwhile home, school and life routines, your child will learn, without realizing, life-long concepts:
incomesavinginvestingcompoundinginflationloans & repaymentnet worthexchange ratesreliability & consistencytaxproductive assetscashflowneeds vs. wantsmoney spent vs. money invested
Your friendly guides
Designed for age 8+
See it in motion
Empire at their own pace
A real economy your kid can walk through - chores, savings, growth, and lessons - without rushing them past the moment that makes it click.
How it actually works
The weekly loop, run by four guides.
Earn at Piggy Bank with Ana. Grow it at Piggy Wealth with Max. Borrow on purpose with Ken at Piggy Debt. Make sense of it all at Piggy Uni with Ema.
Each deposit splits
Spend40%
Save35%
Invest25%
Ana · Banker
Split into buckets
Spend, save, invest. Each deposit gets divided the way the family agreed. No allowance-day mystery - the math is visible the moment money moves.
Wealth0
Max · Wealth Manager
Grow it at Piggy Wealth
A portion of savings goes to Max. Patient positions, clear payout horizons, and a curve your kid can actually watch bend.
BorrowProductive onlywith a repayment plan
Learn5-min lessonwhen the moment is right
Reliability score+8 this week
Ken · Loans Officer
Borrow with Ken · Learn with Ema
Need gear that earns its keep? Ken funds it on a clean repayment plan. Curious about taxes, FX, inflation? Ema runs a 5-minute lesson when the moment is right.
Repeat next week. Different kids gravitate to different guides - and that's how we know the city is doing its job.
The city of PiggyTRK
Four institutions.
Four guides who run them.
The deal, on both sides
Two apps. Two reasons to open them.
Most allowance apps are built for one side and tolerated by the other. We built two apps - connected, but with their own front doors - so each side gets exactly what they came for.
For your kid
Finally - an allowance app that feels like a game.
Coins drop the second a chore lands.
No "wait until Sunday." Approved chores pay instantly. The vault counter clicks up in front of them.
A level that climbs as they earn.
Every routine completed adds XP. Levels unlock new chore packs, vault skins, and side quests. Unlocks are cosmetic - never pay-to-win.
A wishlist with progress bars they can watch fill.
They drop a Lego set, a video game, a concert ticket. The bar fills with every chore. The reward is real.
A character of their own, in their own little world.
Their vault has their style. Their world is theirs - not a leaderboard against anyone else's.
For you
A house that runs without the nagging.
Chores actually get done.
Because the payout is immediate and the friction is zero, the kid is the one chasing the chore - not you chasing the kid.
One tap to approve, from anywhere.
A clean queue on your phone. Approve, decline with a kind one-liner, or set a chore to auto-approve once you trust the rhythm.
A weekly digest, not a daily ping.
You set the rules; we send a quiet Sunday summary of what they earned, what they bought, and what they're saving toward. No daily streak alarms.
You set the prices and the rules.
Allowance, chore payouts, monthly inflation, savings interest, the lot. PiggyTRK is your household economy - we're the engine, you're the central bank.
COPPA-aware by design
A separate kid app with no third-party trackers and no shared identity.
Zero ads to children
Forever. Written into the codebase, not into a privacy page.
No AI talks to your kid
Every line a child reads is written by people, not generated on the fly.
No dark patterns
No streaks, no FOMO timers, no shame. Just a calm, parent-governed economy.
The math, in your hands
A few chores a week.
Watch the coins add up.
Drag the sliders. The first number is what they earn - money they can spend whenever they want. The second is what happens if they park some of it in the Investment Account at a parent-set 4% a year. Saving is optional. Spending is the point.
$5
10 years
Theirs to spend
Total earned over 10 years · spendable any time
$2,600
If they grow some of it
Same coins, parked in the Investment Account at 4%/yr
$3,246
$2,600 earned, theirs. The Investment Account number is what becomes possible if they choose patience. We don't push it. We just show the door.
Set up the first chore →These are illustrative, parent-set rates used inside the app to teach compounding and inflation. PiggyTRK never holds real money. No claim about real-world returns is made or implied.
What they actually learn
Real skills, taught by four real guides.
Each concept lives at the institution that handles it day-to-day - and arrives in your kid's life when the moment is right, not on a schedule.
Ana · Banker
Piggy Bank
Income, savings, and named buckets.
Income
Money you earn from chores and wishes.
Savings
Money you keep on purpose.
Net worth
What you own minus what you owe - at a glance.
Cashflow
Money in, money out, and the rhythm in between.
Max · Wealth Manager
Piggy Wealth
Investing, compounding, and long-horizon thinking.
Investing
Money put to work over time.
Compounding
Small repeats bend the curve.
Productive assets
Things you own that can earn or grow over time.
Money spent vs. money invested
Money used up today versus money you send to grow for later.
Ken · Loans Officer
Piggy Debt
Loans, repayment, and the difference between productive and impulse debt.
Loans
Borrowing for things that pay you back.
Repayment
Closing the loop on what you borrowed.
Reliability
A track record you can build and see.
Ema · Advisor
Piggy Uni
Frameworks, lessons, and the language of money.
Inflation
Why idle money slowly buys less.
Budgeting
Splitting each deposit into named buckets.
Taxes
Why a slice of income leaves before it lands.
Exchange rates
Same value, different language.
Needs vs. wants
What you truly need compared with what you simply want.
See a year in the life
Piggy lands each idea when your kid is ready - not off a timetable. Scroll the story walkthrough for how a typical year feels.
The texture of a year
A hundred small moments,
all of them written by people.
Every line a child reads in PiggyTRK is written deliberately, age-tiered, and reviewed for tone. No AI ever speaks to your child.
Welcome
“I’m glad you’re here. Let’s build a small, kind world together.”
First deposit
“Your savings are safe. The ledger is clean.”
A planted coin
“Watered. Patient. In four weeks, it sprouts.”
A loan request
“A loan is a promise. Let’s make sure you can keep it.”
The Stand opens
“Lemonade for sale. Profit margin: positive.”
Weekly reset
“Inflation moved the balance. Tiny, real, and now you've seen it.”
A wish reached
“Twenty-three weeks. Worth every one of them.”
A grandparent letter
“I planted a special seed for you. It will be ready when you turn 13.”
Welcome
“I’m glad you’re here. Let’s build a small, kind world together.”
First deposit
“Your savings are safe. The ledger is clean.”
A planted coin
“Watered. Patient. In four weeks, it sprouts.”
A loan request
“A loan is a promise. Let’s make sure you can keep it.”
The Stand opens
“Lemonade for sale. Profit margin: positive.”
Weekly reset
“Inflation moved the balance. Tiny, real, and now you've seen it.”
A wish reached
“Twenty-three weeks. Worth every one of them.”
A grandparent letter
“I planted a special seed for you. It will be ready when you turn 13.”
A small but real choice
What you’re choosing.
What you’re choosing not to.
We don’t name competitors here. We don’t need to. You already know which apps we’re describing on the right.
Question
● PiggyTRK
The mainstream pattern
Whose money is it
Virtual ₱ Piggy Bucks. Parent-governed. Never real funds.
Real custodial accounts with debit cards in eight-year-old hands.
Who teaches your child
You - assisted by hand-written copy and the four human guides.
A chatbot trained on the open internet, talking to a six-year-old.
How engagement is measured
It isn’t. Kid side has zero engagement metrics by design.
DAU. Streaks. Push notifications timed to dinner.
What happens at failure
A non-punitive nudge. Reliability score that always recovers.
A broken streak. A red number. A small private shame.
Where your data goes
Postgres on Neon. Parent-owned. One-click export and deletion.
A “Trusted Partners Network” described in 14-pt grey type.
What we sell you next
$8.98/month (or $6.98/month billed annually) per family after a 7-day free trial. Every kid included. No upsells.
Premium streak savers. Mystery-box rewards. Status traps.
Four guides, one promise
Your child's financial council.
Ana, Max, Ken, and Ema are the four adults who run the City of PiggyTRK - each with a clear job, a clear voice, and a clear promise to never lie, shame, or manipulate.
Ana
Banker
@ Piggy Bank
Piggy Bank
I'm Ana. Your money lands here first.
Every coin you earn comes through Piggy Bank. I help you keep it safe, split it into buckets, and understand where every Piggy Buck went.
- income
- savings
- net worth
AlwaysMakes every deposit feel clear, safe, and owned.
NeverPushes spending, hides balances, or makes saving feel boring.
Max
Wealth Manager
@ Piggy Wealth
Piggy Wealth
I'm Max. I show you what time can do with money.
At Piggy Wealth, a portion of what you earn goes to work. I help you invest patiently, watch compounding bend the curve, and think years ahead.
- investing
- compounding
AlwaysExplains patience, compounding, and risk in plain language.
NeverPromises fake returns or treats investing like gambling.
Ken
Loans Officer
@ Piggy Debt
Piggy Debt
I'm Ken. I lend money, but only when it makes sense.
Piggy Debt is open for productive borrowing - gear that earns its keep, wishes you've planned for. I'll screen out impulse buys, walk you through the repayment plan up front, and your parent always has the final approval before any loan starts.
- loans
- repayment
- reliability
AlwaysShows the repayment path before a single coin moves.
NeverApproves impulse debt or makes borrowing feel consequence-free.
Ema
Advisor
@ Piggy Uni
Piggy Uni
I'm Ema. I teach the rules of the game.
Piggy Uni is where the frameworks live: income, savings, investing, debt, inflation, and taxes. Short lessons, plain words, real examples from your own week.
- budgeting
- taxes
- exchange rates
AlwaysTurns real app moments into short lessons kids can understand.
NeverLectures, shames, or buries kids in finance jargon.
How the cast works
Every money moment belongs to a person and a place.
Income and savings go to Ana at Piggy Bank. Growth and compounding go to Max at Piggy Wealth. Borrowing and repayment go to Ken at Piggy Debt. Concepts, frameworks, and the words kids need go to Ema at Piggy Uni.
The Founders’ Promise
We promise that PiggyTRK will never sell a child’s data. That it will never serve a child an advertisement. That it will never use a dark pattern. That it will never ship a feature whose purpose is to extract attention rather than to serve a family.
If we ever fail this promise, we will say so publicly, in plain language, and we will fix it before we ship anything else. If we are ever acquired, the new owner will reaffirm this promise in writing within thirty days, or the codebase will be open-sourced before the deal closes.
- the founders of PiggyTRK
Five minutes from now
Your child has a world.
You have a plan.
The only thing we want is for the next ten years of your child’s relationship with money to be calmer than yours was. Start a 7-day free trial of the whole economy, and cancel any time before it ends for $0.
One plan, the whole economy: unlimited kids, investments, loans, co-parents, and the AI Weekly Wrap for $8.98/mo (or $6.98/mo billed annually) after a 7-day free trial. A card is required to start the trial. Cancel in two clicks before it ends and pay $0. Hardship waived, always.
- 1
You start your free trial.
Email, password, and a card to begin 7 days free. About a minute. No charge until the trial ends.
- 2
You name your child.
Just a first name and an age. No school, no address, no photo.
- 3
You set the weekly habit.
Default $5/wk. You can change it anytime from settings.
- 4
You print one card.
Username + password for the kid app - both set by you. Eight seconds.
- 5
They meet their guides.
A two-minute welcome scripted by a children’s author.
And then your family can begin.
An xTRK.ai app
Compound what matters most