For parents who keep meaning to sort out allowance
The allowance you keep promising, finally kept.
Waggle turns your kids’ chores into money you owe them — tracked to the cent, split across Checking, Savings and Giving, earning interest every week. No debit card. No bank account. Not a cent of real money moving anywhere.
- No card to start
- No ads, ever
- Every kid included
Savings earned $0.06 in interest while they slept
Every family already runs an allowance economy. It’s just kept in your head, paid in crumpled bills, and forgotten by Wednesday.
Waggle writes it down. What you promised, what they earned, what’s left and what it grew to — one ledger, open to both of you.
How a week works
Four steps, once a week
The rhythm is the lesson. Money arrives on a schedule, gets divided on purpose, and grows while nobody touches it.
- 1
Set the chores and their prices
Pick from the built-in chore library or write your own — title, icon, price, how often. Waggle totals each kid’s weekly potential before the week starts, so nobody is surprised on payday.
- 2
Kids do the work
One tap to claim it, one tap for you to approve. The price locks in the moment it is done, so raising a chore’s value later never rewrites what your kid already earned.
- 3
Run the Harvest
Payday, with ceremony. See earned against possible, chore by chore, then hand the phone to your kid.
- 4
They split it themselves
Your kid drags the earnings across three honeycomb cells. Your minimum-savings rule is enforced, the split lands to the cent, and the confetti is non-negotiable.
Miss a week? Nothing is lost. Waggle closes the week for you and the earnings land in Savings, clearly labeled — and “the money you didn’t divide went to savings” turns out to be a fine lesson on its own.
Three jars, three ideas
Each jar teaches exactly one thing
Checking
Money for now
Everyday spending. When your kid buys something in the real world, you log it here and the balance drops — because that is what spending is.
Savings
Money that grows
Interest posts every week, on its own, whether anyone opens the app or not. Choose Realistic (how a real bank behaves), Teaching or Turbo — compounding a kid can actually notice inside their own attention span. Settings always shows the true APY.
Giving
Money for someone else
You match what they give, at a rate and monthly cap you set. Take money back out and the match comes out with it, proportionally. Generosity with real arithmetic behind it.
What’s inside
Built for the family that actually uses it
Goals with a real finish date
Set a target, watch the hex grid fill, and see the date they’ll reach it at the current pace. Save less this week and the date slides. That is the whole lesson.
A lesson at the moment it lands
Twelve short ones — earning, spending, interest, giving, borrowing, wants vs. needs. Read them in order, or tap the one that explains what just happened on screen.
Honey Drops
One-off rewards for the thing that was never on the list. Grant one on the spot, or let a kid ask and approve it.
Proof it is working
Earned against possible, save rate, interest over time. Charts that show a ledger, not a sticker chart.
A screen that is theirs
Kid mode is built for their hands — big targets, animated balances, Waggle asleep on the Savings cell. Leave a tablet on the counter in kiosk mode and every kid gets their own screen.
The parent side stays yours
A PIN or Face ID guards parent mode and the way out of kid mode. Invite a second parent with equal access — and nobody else, ever.
A weekly report worth opening
What each kid did, what they missed, what they earned and what it grew to — written as next week’s opportunity, never as a scolding.
Money you can watch move
Deposits fall as honey drops with a soft plink, the Harvest sets off confetti, and interest arrives as its own small moment. Kids notice what they can see.
iPhone, iPad, kitchen counter
A real app on the App Store, installable to any phone’s home screen from this site, and a tablet layout built for the counter. Android is on the way.
The part that matters
There is no bank behind Waggle. That is the point.
No card to activate. No account to open, no identity check, no minimum age, no monthly fee going to a fintech. Nothing here can move a dollar of real money — which is exactly why it is safe to hand to a seven-year-old.
Balances are promises between you and your kid
Waggle records what you owe and what they've decided to do with it. Settling up happens where it always has — in your kitchen, at your pace.
Nothing can be quietly edited
The ledger only ever adds. A correction is a new, labeled entry, so the history stays honest. Every balance is checked against the sum of its transactions, and payday refuses to run if the two disagree.
Kids use Waggle. Kids never get an account.
Kid mode is a real screen your kid opens every day — their chores, their balances, their goals — but it runs inside your session, behind your PIN. No kid login, no kid email, no password for them to lose. All Waggle keeps about them is a nickname, an avatar and a birth year.
No ads. Not now, not later.
Nothing about your family is for sale, to anyone. Waggle is paid for by the people using it, which is the only arrangement that stays honest.
Pricing
Thirty days free. Then one small decision.
Everything is on during the trial — every feature, every kid, no card. And kids are never metered: add as many as you have.
Waggle Forever
$49.99
Once. Not once a year. Family money apps bill every month forever; this is a price you pay and stop thinking about.
Monthly
$4.99/mo
If you would rather take it a month at a time. Renews until you cancel, and you can cancel from Settings.
Change your mind and nothing is deleted. Your household turns read-only — every balance, chore and week of history stays there to look at, for as long as you want it.
Questions parents actually ask
Does Waggle move real money?
No — not a cent, in any direction. There is no card, no linked account and no transfer. Waggle keeps the books; you settle up at home however you already do.
Do my kids need their own accounts?
No, and they never will. Kids do get their own screen — kid mode shows their chores, balances and goals, built for their hands — but it is a PIN-gated view inside your session, not a login. Nothing for them to sign up for, and nothing for them to lose.
What age is this for?
Any age where a kid wants something they cannot have yet and can read a number — around five at the young end. Older kids get more out of it: interest, goals with a date, the giving match and the borrowing lesson all land harder with a nine-year-old than a five-year-old.
How long does setup take?
One sitting. Add each kid, pick chores from the built-in library or write your own, set the prices, and you are running the first week.
We already do allowance in cash. Why change?
You do not have to stop. Waggle is not a payment method, it is the record — what was promised, what was earned, what it grew to. Plenty of families keep handing over cash and use Waggle so nobody has to remember who is owed what.
What happens when the free trial ends?
Your household goes read-only. Every balance, chore and past week stays visible — you just cannot record new promises until you subscribe or buy Forever.
Can both parents use it?
Yes. Invite a second parent by link; you get equal access to the same household.
Is the interest rate real?
It is real arithmetic, on money you genuinely owe your kid. Realistic mirrors a bank at roughly 5% APY; Teaching and Turbo are deliberately generous so compounding is visible inside a kid's attention span. Settings always shows the true APY behind whichever you pick.
Where can I get it?
Right here in your browser, on the App Store, or installed to your phone’s home screen from this site. Android is on the way.