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The Parental Reserve
Sign inOpen an account
A family credit union

Show the math. Skip the magic.

A passbook for your family — allowance paid on schedule, real interest paid monthly, and withdrawals you can talk through together.

Open your family accountSee how dividends work
No bank account requiredFree for the first 30 daysOne household, every kid
M
Maya Chen
Account · 14 mo.
No. 0142 · CHEN
Current balance
$248.00
Your savings are growing.
Next allowance
$24.00
Mon · in 4 days
Total dividends
$12.84
since you started

Recent activity

Apr 12 · Allowance+ 24.00
Apr 14 · Withdrawal · art supplies– 12.50
Apr 30 · Dividend · 5.0% APR+ 1.84
How it works

A real bank, at the kitchen table.

You set the policy. The reserve does the math. Your kid sees the whole picture.

1Allowance, on schedule

Pay automatically.

Set a fixed amount and a cadence. Allowance lands in their account on time, every time, with no chore-by-chore scoreboard.

Mon · weekly+ $24.00
2Dividends, calmly

Pay them interest.

You set the dividend rate. Interest compounds monthly on whatever balance stays put — so saving rewards itself, visibly, in their ledger.

5.0% APR · monthly+ $1.84
3Withdrawals, with talk

Approve together.

When they want to spend, they request. You approve, decline, or talk it over first. The math is on the page; the conversation isn't.

Apr 14 · art supplies– $12.50
Show the math

Saving makes more money when it stays put.

Move the dials and watch what happens. This is the same projection your kid sees in their dashboard — no abstractions, just the same arithmetic, drawn slowly.

$24/wk
5.0% APR
36mo.
20% of in
Projected balance
$3,246.43
without dividends
$3,003.26
Allowance keptDividends earnedBalance line
Allowance in
$3,754.08
over 36 months
Dividends
$243.16
compounded monthly
Spent
$750.82
approved withdrawals
Two sides of the counter

Built for parents. Designed for kids.

Both views work from the same ledger. The difference is what each person can do with it.

Kid viewMaya, 11

Their account, in plain numbers.

Calm balance. Honest projections. A button to ask, not a button to take.

Current balance
$248.00
If you keep saving12 mo.
1 month$272.50
6 months$408.20
12 months$589.92
"We don't say no. The math says not yet."
Parent viewJordan, chairman

One ledger, every kid.

Approve, decline, or open the conversation. The reserve handles the rest.

Requested byMaya
Amount– $25.00
Current balance$248.00
Balance after$223.00
Note"saving for a board game"
"Approvals are a teaching surface, not a gate."
12×More likely to save
once they see the math

Predictability is the whole point. Kids learn to budget against a known number, not a moving target — and a balance that earns is a balance worth keeping.

— From the Reserve, on practice
Pricing

One household. One number.

No per-kid pricing, no upsells, no fine print on the dividend rate. Cancel any time.

Family plan

Everything you need to run a passbook.

One subscription covers every kid in your household. Allowance automation, dividend payouts, a shared family ledger, and approval flows for parents.

  • Up to 6 kid accounts, one shared family policy
  • Automatic weekly or biweekly allowance
  • Monthly dividend payouts at the rate you set
  • Withdrawal approvals for one or both parents
  • Exportable monthly statements (PDF + CSV)
No bank account, no debit card, no kid data sold. Ever.
$8.00
per household, per month
Free for the first 30 days · billed monthly · cancel any time
Open your accountSee full pricing →
Common questions

Honest answers.

Where does the money actually live?
It lives with you. The Parental Reserve is a ledger, not a bank — we keep score so your kid sees the math, but you hold the actual cash. When they withdraw, you hand them the money the way you always have.
How are dividends calculated?
You set an annual percentage rate. Each month we apply one-twelfth of that rate to the average daily balance and post the result as a dividend. The number that appears in their ledger is the same number you'd compute on paper — we show our work.
What can my kid actually do?
View their balance, see growth projections, request a withdrawal with a note, and read every line of their ledger. They can't transfer money out without your approval, ever.
Can I run different rates for different kids?
Yes — each account can have its own allowance, cadence, and dividend rate. You can also pause an account or freeze its balance during travel, illness, or a teaching moment.
Is this a debit card or a real bank?
Neither. There's no card, no FDIC insurance, no spending account in the kid's name. The intentional limit is what makes the lessons real — every withdrawal is a conversation, not a swipe.