A story

One year. One family. Twelve small moments.

To understand what PiggyTRK is for, look at what it does over a year. Below is the calendar of the Davis family - Carla and Sam, Mia (8), Leo (12) - from January to December. Every event is one we have either shipped or are building.

  1. January

    The Davises join. Carla and Sam, Mia (8), Leo (12). Onboarding takes 7 minutes. Mia names herself 'Pickle' and Sam allows it. Each kid starts with ₱5. The first chore ('Make your bed for a week') goes on the world.

  2. February

    Mia’s bank account grows from ₱5 to ₱18. She keeps asking what she can buy. Carla says ‘Wait until you really want one thing.’ Leo discovers the Investment Account and plants ₱20 in a 4-week Bond.

  3. March

    Leo’s Bond matures: ₱20 → ₱22. Max explains what patience did. Leo plants ₱40 next. Mia asks about wishes. Carla shows her the Wishing Well - Mia wishes for a Lego set: ₱45.

  4. April

    Mia hits ₱45 in the Wishing Well after 9 weeks. Carla buys the Lego set offline; the Wishing Well closes with a tiny celebration. Mia draws 'the Lego set' in her journal.

  5. May

    Leo wants new soccer cleats: ₱60. He has ₱32. Ken lays out a ₱30 loan, 6 weeks at 0% APR. Sam approves. Leo signs. Cleats arrive.

  6. June

    Summer planning night. Carla shows the kids how to split Piggy Bucks into named buckets. Mia puts ₱2 toward art supplies; Leo puts ₱4 toward soccer gear. Ana shows how small choices add up.

  7. July

    Summer break. Leo opens the Lemonade Stand for one weekend. Leo earns ₱14 in two days, repays ₱10 of the loan voluntarily, plants ₱4 in the Investment Account.

  8. August

    Carla turns inflation on at 0.5%/wk for the first time. Mia notices her vault shrunk by ₱0.10. Asks why. Carla: 'Because money sitting still gets a little smaller.'

  9. September

    Leo finishes paying off the loan. Reliability score: 91. Ken shows him the repayment history: 'You kept every promise.' Leo unlocks Bond+ access in the Investment Account.

  10. October

    Reverse mentorship night. Sam: ‘Leo, can you teach me about your inflation thing?’ Leo explains in 4 minutes. Sam writes Leo a thank-you note in the Mailbox. Leo prints it.

  11. November

    Thanksgiving. The Davises pool ₱20 from Family Tax for a shared family dinner. Mia chooses the dessert. The Conversation Card that week: 'What is one thing this year you're glad we did?'

  12. December

    Year-end ritual. Mia’s bank account: ₱41. Investment Account: ₱22. Wishes funded: ₱18. Leo’s bank account: ₱58. Investment Account: ₱72. Wishes funded: ₱26. Loan: paid. Family Tax: ₱14, going to a shared January trip. The family prints the Year Book.

That, every year, for a decade.

Multiply this story by ten. That is what your child will have lived in by the time they leave us at sixteen. Not a course. Not a coach. A living, ten-year-long apprenticeship in their own life.

A year in the life · PiggyTRK