ChoreCoins: Learn & Earn

ChoreCoins: Learn and Earn is the financial education app that grows with your child — from their first chore at age 6 to advanced lessons on investing, entrepreneurship, and retirement by age 16.
Most kids finish school without ever learning how money really works. ChoreCoins: Learn and Earn fixes that. Every chore completed becomes a real earnings moment. Every dollar earned splits automatically into Spending, Saving, and Investing. And every week a new financial lesson unlocks — building the habits and knowledge your child needs before they ever have to manage money on their own.
THE THREE BUCKET SYSTEM
Every dollar your child earns splits automatically into three buckets — Spending, Saving, and Investing — at percentages you set. Kids see exactly where their money goes and why. No more spending everything the moment it arrives.
THE INVESTING BUCKET
Completely locked. Earns real compound interest at a rate you configure. Kids watch their investing bucket grow month after month — experiencing the power of compound interest before they ever open a real brokerage account. Your child can't touch it. That's the whole point.
FAMILY INVESTMENT MATCH
Set a percentage match on everything your child invests — just like a 401k employer match. Kids learn that investing multiplies money immediately. The most powerful financial habit in America, taught experientially before age 10.
FAMILY TAX
Simulate real paycheck withholding. A small percentage of every dollar earned goes to a family fund, a charity your family chooses, or back into investing. Kids see gross earnings vs net earnings on every chore. They'll understand their first real paycheck before their friends have any idea what FICA means.
FUTURE ME CALCULATOR
The signature feature. Kids enter their weekly investing amount and see projected balances at ages 18, 25, 40, and 65. Watching a 10-year-old realize their $5 a week could become over $130,000 by retirement changes how they think about money forever.
THE FUTURE YOU MOMENT
Every time a child requests to spend money ChoreCoins: Learn and Earn shows them exactly what that amount would become if invested instead. They must acknowledge it before spending. Not to stop them from spending. To make sure every spending decision is a conscious one.
58-WEEK MONEY MISSION CURRICULUM
A new financial lesson unlocks every week. Kids read a 60-second lesson, answer a short quiz, and earn bonus coins. Topics include compound interest, the stock market, needs vs wants, entrepreneurship, mortgages, credit scores, taxes, and much more. No other kids app delivers a curriculum like this.
BUILT FOR REAL FAMILIES
Parents approve chores before money releases. Savings withdrawals require parent sign-off. The investing bucket requires parent override to access. Co-parents share full access. Push notifications keep both parents in the loop.
BANK-LEVEL SECURITY FOR YOUR FAMILY
Child PINs are hashed and never stored in plain text. Brute force protection locks accounts after failed attempts. Role-based security rules prevent any family from accessing another family's data. Face ID and Touch ID for parents. No child email addresses required. COPPA compliant.
IMPORTANT — HOW CHORECOINS: LEARN AND EARN WORKS
ChoreCoins: Learn and Earn is a financial simulation. No real money moves through the app. Parents hold the actual money — the app tracks it digitally. Think of ChoreCoins: Learn and Earn as the most educational allowance system ever built — with you as the bank.
Earn. Save. Invest. Learn. — ChoreCoins: Learn and Earn.
Terms of Use: https://www.notion.so/ChoreCoins-Learn-and-Earn-Terms-of-Service-371ef7fe24d180569e88fe039fb80954