Raise a saver.
Start this week.
Set it up over breakfast. You approve every coin that moves.
Chores get done without you asking twice. Allowance stops living in your head. And every coin your kid earns splits across Spend, Save and Give before they can spend it all on sweets.
Did you do your chores?Asked four times. It's Tuesday.
I'll pay you next week.You will not remember. Neither will they.
Can I get this? Please?Aisle seven. Every single time.
Where did your birthday money go?Gone in a weekend. Nobody knows on what.
None of this is a discipline problem.
It's a system problem.
Tuppence takes the four arguments you keep having and turns each one into something the app handles quietly, in the background.
Chores live in the app with the day, the reward and the proof attached. Kids check what's theirs instead of asking you what's left. Nagging stops being a parenting skill you have to keep sharp.
Every payout, bonus, loan and half-remembered IOU sits in one ledger you both can see. No cash to find on a Sunday, no arguing about what was already paid.
The moment you approve a chore, the reward splits three ways on its own. Saving and giving happen by default, so your kid builds the habit without sitting through a lecture from you.
What they want goes on a goal, and the goal fills up as they earn. The answer stops being a flat no and becomes “you're forty percent there.” Wanting turns into a plan instead of a scene.
Splitting every coin three ways is the one thing your kid keeps long after they stop needing chore reminders. It is also the hardest lesson to teach by talking about it.
Learning what things actually cost, in their own money. You still get a tap before anything real leaves the house.
Patience with a number attached. Money left alone earns interest at a rate you set, so waiting visibly pays.
Generosity they chose, not generosity you asked for. Kids pick from causes you have already approved.
Add your kids, pick a few starter chores, set allowances. About five minutes over breakfast.
They finish quests, you approve, coins land and split themselves across the three jars.
The app keeps the ledger, chases the chores and shows the progress. You just approve.
Assign by day or kid, set the reward, add photo proof when it matters.
You are the bank. Pick a weekly rate and Tuppence accrues it daily.
Every payout, purchase and loan waits for you in a single calm list.
Invite a co-parent so approvals never sit waiting on one phone.
Set it up over breakfast. You approve every coin that moves.