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Penny
A family finance app where kids earn real compound interest on their allowance — the Bank of Mom & Dad.
Compound interest is one of the most powerful concepts in finance, but it’s abstract until you experience it. Penny makes it tangible for kids.
Parents create accounts for each child, set allowance schedules and interest rates, then let the math do the teaching. Kids watch their balance grow with every compounding period — weekly, monthly, whatever fits the family. Deposits, withdrawals, and interest payments are all tracked in a clear transaction ledger.
SvelteKit frontend with a Cloudflare Workers backend. Free to use, no credit card required. A hosted companion to the open-source Piggybank project.