Three everyday buckets
Each kid starts with Spending, Giving, and Saving, plus optional saving goals when they are ready for something bigger.
Live now
Twiggybank: A family bank that grows like a garden
Twiggybank helps families practice payday, spending, giving, saving, interest, and goal-setting without moving actual money.
A weekly allowance tracker with Spending, Giving, and Saving jars, with savings that grow like compound interest. It teaches kids how money works.
- Status
- Live on the web
- Money model
- Practice money, no external cash settlement
- Core buckets
- Spending, Giving, Saving
- Membership
- One family membership across web and future mobile clients
What it does
A practical field guide to Twiggybank.
Automatic payday
Allowance runs on a schedule in the family timezone, with bounded catch-up for short operational misses.
Saving growth
Families can turn on saving growth so kids see money accumulate over time without involving real bank accounts.
Kid requests
Kids can request spends and manage goals from a paired device without owning email credentials.
Adult access
Managers run the family bank, while contributors can participate without getting full money-management powers.
Reliable records
A real double-entry ledger sits underneath, so balances are exact and mistakes are corrected instead of silently edited.
Common questions
Plain answers before you follow the trail.
Rival Bear keeps the deep product marketing on the app’s own site. These notes explain the basics before you head over.
Is Twiggybank a real bank?
No. Twiggybank tracks practice balances for a family. It does not hold money, move money, or settle external cash.
What can adults do?
Adults can manage kids, allowance, saving growth, requests, invitations, purchases, gifts, and corrections.
What can kids do?
Kids can see their own money, request spends, manage saving goals, and watch saving grow from a paired device.
Do kids need email accounts?
No. Kids can use parent-issued pairing codes, so they do not need to own email credentials.
Why use a real ledger if it is not real money?
Parents need numbers they can trust. The ledger makes balances exact and keeps corrections visible.