Pocket Money Tracker — a free virtual bank for your family
Teach your kids the real value of money — saving, patience, and compound interest — without cash clutter or a single rupee touching an app. Track pocket money, chores and allowance, set a virtual interest rate, and watch savings grow. Free, no signup, works on any phone, and your family's data never leaves your device.
How it works — in 30 seconds
- Add your child. A name and an emoji — that's it.
- Reward & top up. Tap to add money for chores, pay a weekly allowance, or drop in a gift.
- Set an interest rate. Money left in the bank grows on its own — and your child watches saving pay off.
Why parents love it
- Private by design — everything stays on your device. We never see your family's data.
- Teaches compounding — the one money lesson that changes a life, made visible.
- Zero risk — it's a virtual ledger; no real money, no cards, no accounts.
- Free forever for the family basics.
Frequently asked questions
How does a pocket money tracker work?
You add each child, then reward them for chores or top up their weekly allowance with a tap. Their virtual balance goes up. You can set a "savings interest rate" so money left in the family bank grows — and when your child wants to buy something, you deduct the virtual balance and buy it for them in the real world. No cash to lose, no mess to track.
Is it really free?
Yes, completely free, with no signup and no ads. It runs entirely in your browser.
Is my family's data private?
Totally. Everything you enter stays on your own device (in your browser) and is never sent to our servers. We literally cannot see your children's names or balances. That also means it works offline — and if you clear your browser data, you can export a backup first.
How does the virtual interest teach compounding?
When your child leaves money in the bank instead of spending it, you set a rate (say 5% a month) and their balance quietly grows on its own — including interest on the interest already earned. Kids see saving pay off in real time, which is the single best way to make compound interest click.
Can I track chores and allowance together?
Yes. Reward specific chores with any amount, set an automatic weekly allowance, or add one-off gifts — all in one running balance per child, with a simple history.
Does it work on my phone?
Yes — it's built mobile-first. You can even add it to your home screen so it opens like an app.