Kinsaver is a virtual family bank where children earn, save, spend, and give — and learn how money really works through hands-on practice you control. No real funds. No ads. Just confident, money-smart kids.
Hi, Maya! 👋
My money
AED 0
My money tree 🌱
AED 740
My goal
🎯 New bike
AED 740 / 1,000
Cards tap, phones pay, and balances vanish behind a screen. Kids rarely see money move, so the lessons that used to come with coins and a piggy bank never happen. Kinsaver brings those lessons back — in a safe place where mistakes cost nothing and good habits stick.
How it works
Name it, pick its logo, and add each child in minutes — then invite up to 5 caregivers to help run it.
Every child starts with age-appropriate settings from their birthday — then tune the allowance, interest, giving, loans, and approvals however you like.
They do chores for rewards, save toward goals, level up, spend, and give — watching it all grow.
Approve the moments that matter and see everything in clear reports and statements.
Two views, one family
A game-like dashboard that makes saving feel great:
A calm control panel that runs itself:
Money School
Most apps hand kids a screen. Kinsaver hands you a lesson plan — short, playful sessions you do sitting side by side.
Your money plan
After a year
💰 2,160
+ interest ✨
🧪 Pretend mode — nothing really moves
The compounding race
🟢 Starts now
🟠 Starts 3 years late
Δ The gap ↑
🧪 Pretend mode — nothing really moves
Smart Savers · 8–10
🎓 New badge on their dashboard!
Four levels, from the very first coin to a first taste of investing — the right depth at every age.
Lessons run on your child's real allowance, savings, and rates — in a safe pretend mode where nothing actually moves.
A story, an interactive game, discussion prompts written for you, and a mini quiz — 5 to 10 minutes each.
Finished lessons become badges on their own dashboard, and many end with one tap that makes the lesson real.
🎓 32 lessons and growing — included with every family, in English and Arabic.
Start your free monthThe science
Kinsaver's design is grounded in established research in child development and financial education.
Research from the University of Cambridge (2013) suggests children's money habits are largely set by around age seven. Kinsaver gives them safe, real practice while those habits are forming.
→ Start young, with training wheels on.
In Piaget's concrete-operational stage, 6–12 year-olds reason best with concrete, visual things. Jars, a growing tree, and a goal you can see make abstract money tangible.
→ Visual jars, a growing tree, and goal dials.
The classic delayed-gratification research (Mischel) links waiting to stronger self-control. Saving toward a goal — and seeing how long it'll take — turns that into a daily habit.
→ Goals with a 'time-to-goal' projection.
Vygotsky's scaffolding and Self-Determination Theory show kids stay motivated when they have real autonomy and gentle support. They decide; you set the boundaries and approve.
→ Kids act; you keep the guardrails.
A dedicated Give jar makes generosity a normal part of money from the start, nurturing the prosocial habits that research links to wellbeing.
→ Earn · Save · Spend · Give.
In a cashless world money is abstract. Animated balances and a tree that grows reconnect effort, saving, and reward — the feedback loop digital money usually hides.
→ Count-ups, saver levels, and clear balances.
Kinsaver is an educational tool inspired by research in child development and financial literacy. It is not financial, medical, or psychological advice, and references to research are for general context only.
Features
Pay daily, weekly, or monthly — split automatically across Save, Spend, and Give.
A simple username and passcode per child — no email needed. They see only their own money.
Saver levels with an XP bar, celebrations, and a trophy shelf of goals they've smashed.
One-off, daily, weekly, or monthly chores — with your approval before money is earned.
Set goals together; kids fund them, watch the dial fill, and confirm when the real thing arrives.
Simulated interest teaches the magic of money that grows over time.
Off by default, enabled per child. Kids see interest and payback time before asking; you approve every loan.
Grandparents can send birthday money straight into a child's jar — in any currency, with your approval.
Invite a co-parent, grandparents, or a nanny with a private link — everyone helps run the bank.
Run your family bank in your home currency, with live conversion.
Approvals, overdraft and giving policies, and loan access — per child.
New kids start with settings that fit their age — approvals on for little ones, loans unlocked for teens, and a suggested allowance split. You can change everything.
32 short lessons you do together, ages 5–15 — interactive games and simulations that run on your child's real numbers.
Kids get a one-time 3D birthday celebration; you get reminders a week ahead, the day before, and a gifting nudge on the day.
Fully bilingual with right-to-left support — switch anytime from the menu. Family emails come in 8 languages.
Works on any phone or computer and installs to the home screen.
Clarity first
Trust & safety
It's a learning ledger — there's zero financial risk.
Each family's data is walled off at the database level.
We don't show ads or sell your family's data.
You create and control every account and setting.
Be among the first families
Kinsaver is just opening its doors. Start your free month, bring your kids along, and tell us what would make it even better.
Start your free monthPricing
Try everything free for a month — no card needed to start. After that, Kinsaver is a small subscription that scales gently with the number of children, billed monthly, quarterly, or yearly. Full pricing lands at launch.
Start your free monthFAQ
No. Kinsaver is a virtual ledger — a teaching tool. No real funds ever move, so there's no financial risk while your kids learn.
Yes. Each family's data is isolated at the database level, we never show ads, and we don't sell your data. You manage every account.
It works best for roughly ages 5–15, with a playful view for younger kids and more depth — goals, interest, loans — as they grow.
As many as you like. Kinsaver is multi-child from the start, with per-child settings and an oversight view for you.
You choose your family's home currency, with live conversion for foreign gifts. The app — this site included — is fully bilingual in English and Arabic with a switcher in the menu, and family emails (payslips, statements) come in 8 languages.
Yes! Kids get a one-time 3D birthday celebration and an all-day banner. You get reminders a week before (perfect for sharing their gift link with relatives), the day before, and on the day — with a nudge to send them a gift in the app.
Any modern phone, tablet, or computer browser. You can also install it to the home screen like an app.
Yes. Each child gets a simple username and passcode you choose — no email needed. They see only their own jars, goals, and progress, with a saver level that grows as they save.
Yes — invite up to 5 caregivers (a co-parent, grandparents, a nanny) with a private link. They get full day-to-day access, and you can hand over ownership or remove them anytime.
Yes. Each child has a private gift link you can share — grandparents open it, pick an amount in any currency, add a message, and you approve it before it lands.
Only if you allow it, per child — loans are off by default. When on, kids see the interest cost and payback time before asking, you approve every loan, and repayments come out of their allowance automatically. It's a safe first lesson in debt.
You continue on a simple subscription, and your family's data stays exactly as you left it. There's no real money at stake either way — it's about the learning.
Set up your family bank in minutes. Your first month is on us.