A kid's first bank account without the bank
Teach kids to save, spend, and grow money wisely. Real allowance tracking, fun growth simulation, and parental controls. Ages 6-14.
No real banking • Safe learning environment
Why parents choose OwlyBank
Simple tools to teach powerful money lessons
Real Money Tracking
Parents record actual allowances, chores, and gifts. Kids see their real money organized in one place—no virtual currency, no confusion.
Three Account Types
Spending, Saving, and Investing accounts teach fundamental financial concepts through hands-on allocation decisions.
Simulated Growth
Watch money grow with 2%/month for saving and 5%/month for investing. Safe learning, zero financial risk.
Parental Controls
Parents control all money in and out. Kids decide how to allocate. Perfect balance of autonomy and supervision.
How it works
Get started in minutes
Sign Up & Get Started
Create a parent account and add profiles for your kids. Works right in your browser — no download needed.
Record Allowances
Add money when they earn allowance, complete chores, or receive gifts.
Kids Learn by Doing
They decide how to split money between Spending, Saving, and Investing. Watch them learn!
Built for trust & safety
Your family's privacy and security come first
Parent-Controlled
Only parents can record money in or out
Safe Learning
Simulated growth, no real financial risk
Child Privacy First
Minimal data collection, no real names required
No Ads or Tracking
Clean, distraction-free experience
Important: OwlyBank is an educational app, not a financial institution. It does not connect to bank accounts, hold funds, or process payments. All balances reflect parent-recorded, offline money activity.
Ready to teach your kids about money?
Free to use — get started in under 2 minutes