You're already teaching them to be faithful with a little.

Earnie keeps Give, Save, and Spend from getting messy and forgotten three weeks in.

Start Earnie free See how it works

Free during early access.

Sam's total balance
$99.00
Give 10% of new money
$14.00 ›
Save 45% of new money
$63.00 ›
5%/yr · earning interest
Spend 45% of new money
$22.00 ›
+ Add − Spend
Activity
−
ToySpending
−$17.00
+
Mowed the lawnEarned
+$20.00
+
Birthday giftEarned
+$15.00
The problem

The Give, Save, Spend jars worked in theory. Then a five-dollar bill needed to become three exact piles — with a kid watching.

And it's not just the splitting. At the store, your kid wants to buy something because they think they've got it in Spend — but neither of you actually knows the number. Times three kids. The principle isn't broken. Nothing's keeping score.

KID MATH No. 12 ft. Emma & one very whole $5 bill

Grandma gave Emma a $5 bill.

Give needs 10%. Save needs 45%. Spend needs 45%.

All in cash. All today. All in separate jars.

What does Emma do?
A. Cut the bill into three exact pieces.
B. Put it all in Spend.
C. Hands it to Mom. Mom opens Earnie.
Open Earnie. Know the number. Every time.
✓ SOLVED
  • No splitting a $5 bill three ways.
  • No mental math at the checkout.
  • No “I think I have enough.”
Emma’s Earnie, right now
Give 10% of new money
$0.50 ›
Save 45% of new money
$2.25 ›
Spend 45% of new money
$2.25 ›
Not quite $6 yet — and now you both know it.
Built for this exact problem

We ran the jars with our own three kids. They broke exactly the way yours are breaking.

Cash envelopes work great for a $200 gas budget — round numbers, clean math. A kid's money doesn't come in round numbers. It comes in a five-dollar bill, thirteen dollars from a garage sale, two dollars from Grandma — amounts that don't divide evenly by hand, no matter how careful you are. We didn't set out to replace Give, Save, Spend. We built the version of it that survives real life: chores, garage sales, Target, Amazon, and more than one kid at once.

No card or account issued to the kid — you hold and control everything
We never sell or share your family's data
Your kid can go by a nickname instead of their real name
Here's exactly how it works

You're still the bank.
Earnie just keeps the books.

1STEP 1

Money comes in.

A chore, a birthday card, a garage sale — the cash goes to you, not into a jar.

You log it in Earnie.
Split into Give, Save, and Spend — automatically.
2STEP 2

Earnie splits it — automatically.

Give, Save, Spend, in the percentages you set. No division, no guessing, no argument about what goes where.

Give
10%
Save
45%
Spend
45%
3STEP 3

Money goes out — you still pay.

Cash at a garage sale, your card at Target, your account on Amazon — however you'd normally pay, you still do.

Spend balance$18.00
Tap: −$12 Book
New Spend balance$6.00

Your kid never holds a card, an account, or cash they're tracking themselves.
You're still the bank. Earnie just keeps the books that used to live in a jar.

Give, Save, Spend

The same three things you're already teaching. Now they can't get lost in a jar.

Give 10%

Generosity, from the first dollar.

Save 45%

Patience with money, practiced early.

Spend 45%

Freedom to choose — and freedom to live with it.

About screens

This isn't one more screen fighting for your kid's attention. It's not even their screen.

You're the one who opens Earnie — to log a chore, a gift, a purchase. Your kid isn't handed a device to sit with. They're watching you do it, which is exactly where the teaching happens: seeing Give, Save, and Spend split in real time, right in front of them.

We built this to be the fastest, easiest tracker there is — because a system that takes five minutes to update doesn't get updated for long. That's what broke the jars. And for a regular allowance, you don't even have to remember it — set it once, weekly, daily, or monthly, and Earnie handles it from here.

Where this leads

The five-dollar bill isn't the point. The habit is.

Right now the stakes feel small: a chore, a birthday card, three exact piles that won't divide. They are small. That's exactly why now is when it matters. You're not managing five dollars. You're forming what they'll do with the next fifty thousand.

Age 5
Helps with a job. Gives without being asked. Watches Save grow before they understand why.
Age 10
Mows a lawn, waits for something bigger instead of spending the first $20 that shows up.
Age 15
A real paycheck. Real decisions. If you've chosen to pay interest, the money that sat in Save the longest is worth the most: the first time “wait” pays them back in actual dollars, not just a lecture.
16–18
Give, Save, Spend isn't a system anymore. It's just who they are.

If you want to go further: you can pay them interest on what they save, so patience shows up as a real number, not just a feeling, and charge interest on what they borrow, so overspending has a real, small consequence while the stakes are still low enough to afford one. Earnie does the tracking and the math. You decide whether either one is on, and what the number is.

You're teaching them to be faithful with a little now,
so they're ready for a lot later.

Ready when you are

Start free. Watch Give, Save, Spend finally hold together.

Start Earnie free

Free during early access.

Not ready yet? See exactly how the money moves ↑

A few honest questions

Real questions from parents before you.

Isn't this just more screen time for my kid?

Not really, since it's not your kid's screen to begin with. You're the one opening Earnie to log a chore or a gift, and it takes seconds. Your kid isn't handed a device to sit with.

What happens to our data if we stop using Earnie?

We don't hold onto your family's information after you're done with it. Cancel, and everything is deleted immediately, no lingering copy sitting on a server somewhere. (Since there's no export after the fact, save any history you want to keep before you cancel.)

Do you sell or share our data?

No. We never sell or share family data with anyone. Your data is private to your account and synced securely to the cloud, and you can use a nickname for your kid instead of a real name.

Still have questions? We're happy to answer them — but you're also welcome to just start.

Start Earnie free

Free during early access.