Volume 01 · A family allowance ledger
A family bank that grows like a garden.
Track weekly allowance. Split each payday across spending, giving, and saving. Let saving earn interest the way real money does. Monopoly rules — real habits.
The three buckets
Every payday splits three ways.
Configurable per kid. The split lives at the schedule level, so adjusting it changes future paydays — never history.
Day-to-day money. Pocket cash.
What a kid actually gets to choose how to spend. Defaults to 50% of each payday — go higher or lower per kid.
For someone else.
A small, deliberate slice set aside for charity, gifts, or community. Defaults to 20%.
The bucket that grows.
Earns interest at a rate you set. Watching saving outpace spending is the lesson the app exists for.
How it works
Three small decisions a year. The rest runs itself.
Set the weekly amount.
Pick a payday total and a bucket split per kid. Twiggybank does the math; you do the math lessons.
Paydays post themselves.
A scheduled run posts a balanced journal entry every week — double-entry under the hood, simple under the eyes.
Saving compounds visibly.
A daily interest job grows the saving bucket. Kids see the line item — they learn what compound means by watching it happen.