MoneyOrc turns your family into a tiny, friendly bank. Allowance, chores and savings goals first. Then, when they are ready: loans, investing, insurance and a stock market that cannot hurt them.
Most of us learned about interest from our first credit card bill. MoneyOrc gives your children a safe place to make small mistakes, feel real consequences, and build the habits that adults struggle to learn later: earn it, save for it, borrow carefully, protect what you have.
No subscription, no premium tier, no in-app purchases. The whole app, for every child in the family.
Your children are not the product. There is nothing to click, nothing to buy, nothing to track.
MoneyOrc is a ledger, not a bank. No cards, no transfers. You stay the bank, with a very good memory.
Start with the two things every family needs. Switch on the advanced modules whenever your child is ready for them.
One parent account, a nickname and PIN for each child. Kids log in on their own device, or on yours.
Pick a weekly amount, add the chores you already nag about, decide what each is worth. Print a paper chore card for the little ones.
Goals, funds and bonuses when they start wanting things. Loans, investments, insurance and the stock market when they start asking questions.
Every module mirrors a real financial concept, simplified for a child and controlled by a parent.
Set a weekly amount per child and MoneyOrc posts it automatically. Add or deduct money in two taps, see every transaction, and never again hear “you owe me from last week”.
Weekly chore cards, one-off paid jobs with photo proof, and a sticky-note board of unassigned jobs any kid can grab. Mark chores done by tapping, scanning a printed QR code, or touching an NFC tag on the dishwasher.
A goal is a photo of the bike and a progress bar. A fund is a savings bucket with parent matching and automatic contributions, so the hobby that keeps breaking expensive parts stays affordable and teaches budgeting on the way.
Kids apply for a loan, see the weekly payment schedule, and watch what one extra payment does to the interest they owe. Investment plans run the other way: lock up $50 for five weeks, get $55 back. The math sticks because it is theirs.
Real tickers, live prices, 25,000 play points and a leaderboard. Plus insurance policies for the things kids break, rules and fines agreed in advance, bonuses for big goals, and a time vault for screen time earned the honest way.
Turn modules on and off per child. A six-year-old sees a piggy bank. A sixteen-year-old sees a credit system. Same app, same family.
Coins you can count, chores you can tick, and a picture of the thing you are saving for. Paper chore cards for the fridge.
Odd jobs with deadlines, funds with parent matching, screen time as a currency, and the first taste of a reputation score.
Loans with interest, investments that mature, insurance that pays claims, fines you can dispute, and a stock market with training wheels.
Each one can be switched on per child, the moment it makes sense for them.
Cash, totals, auto-payments and a bills-and-coins view that makes money tangible.
Weekly chore cards kids tick off daily; parents approve at the end of the week.
One-off paid work with deadlines, photo proof and sticky-note job boards.
A picture of the bike, a progress bar and the question: how much more do I need?
Savings buckets with parent matching and automatic contributions, like a kid 401(k).
Earn screen time instead of (or alongside) money, and spend it on purpose.
Long-term challenges: a 4.0 GPA, a clean room for 90 days, a first-place finish.
Rules agreed in advance, fines without the shouting, and a fair way to dispute them.
Parent-defined plans with real interest rates. Invest $50 for 5 weeks, get $55 back.
Apply, get approved, watch interest shrink as extra payments land. Credit, demystified.
Weekly premiums, deductibles and claims for the things kids actually break.
Real tickers and live prices, 25,000 play points, zero real money at risk.
A credit-score-like number that rewards reliability and unlocks better plans.
Kids and parents message each other inside the app. Nobody outside the family can ever reach your child, and MoneyOrc never sends anything on its own.
Chore cards, jobs, loans, claims and disputes all wait for a parent. Nothing changes a balance without your say-so.
No ads, no trackers, no data brokers. We never ask a child for an email address. The privacy policy is short enough to actually read.
“We don’t expect our kids to become bankers. But every one of them will meet a credit card, a car loan and a rent payment. Let’s make sure the first time isn’t the real one.”The MoneyOrc mission, unchanged since 2012
Allowance strategies, chore psychology, and what actually works at the kitchen table. A new one most weeks.
Half of all parents swear by paying for chores. The other half can’t stand the idea. After a decade of watching families use MoneyOrc, here is what we learned, and a setup for each side.
Read the article →Jim flies radio-controlled airplanes. Jim also crashes radio-controlled airplanes. His mom turned an expensive hobby into the best money lesson he ever had, with a fund, a cap and a 300% match.
Read the article →Punishment is the most emotional part of parenting and the least discussed part of money education. Here is a way to handle it that leaves room for the child to be heard, and borrows from how courts actually work.
Read the article →Free on iPhone, iPad and Android. Set up the first allowance in five minutes, and let the first chore card do the rest.
