Kapitallo Family

Pocket money without arguments or reminders. Kapitallo Family teaches your child how to manage money before they get their first bank card: chores are free, coins are only awarded for tasks beyond these, and the goal-based piggy bank grows automatically.

RESPONSIBILITIES ARE FREE
Teeth, bed, school bag. This is family life, and it's not paid for. Until chores are marked, tasks for coins are closed.

TODO'S BEYOND THEM
Wash the dishes, walk the dog, help with the cleaning. You decide what these tasks are and how much they cost. Pocket money can be given as before: an app about something else, about what the child does with it.

A PIGGY BANK THAT WORKS ON ITS OWN
A third of each reward goes into the goal-based piggy bank. Without asking or returning. The piggy bank isn't spent on other things, so the goal truly accumulates, rather than being wasted on trivialities.

A GOAL INSTEAD OF PERSUASION
The child chooses an item, you name the price from the store. The app calculates how much has been collected, how much remains, and how many weeks remain until the goal at the current pace. This is financial literacy in everyday life: seeing the price, calculating the term, waiting.

DEPOSIT AND INTEREST
Coins can be deposited for a week, two weeks, or a month and receive more. You can always withdraw early, but then without interest, and this is explained in advance. This is the first lesson in life about interest on your savings, not someone else's lecture.

YOU HAVE ONE BUTTON LEFT
Everything the children have marked as completed is sent in one list, for all children at once. Confirm or return. The coins will be credited automatically, a third goes into the piggy bank; no counting is required. The calendar shows the week ahead, and you mark the payment when you actually donate the money.

PENALTIES ONLY IF YOU ENABLE THEM
By default, there are no penalties. If enabled, you can only withdraw coins from your available balance, no more than half at a time, and no more than three times per day. Your goal-based savings account and deposits are not affected, your balance does not go into negative territory, and you can cancel the withdrawal within 24 hours. Your child will see the reason and know the family rules in advance.

FOR WHOM
For parents of schoolchildren aged approximately seven to thirteen, until the child has their own bank card. Teenagers are more interested in deposits and a more meaningful goal, while younger children are more interested in the simple habit of closing accounts and saving.

HOW MONEY WORKS
A coin is worth one ruble, hryvnia, or tenge. We don't store or transfer money, issue cards, or ask for bank details: the app manages your family account, and you spend the money yourself, as is customary at home. The family budget remains your responsibility; the app only helps you manage it.

Your child doesn't need a password or email address: their phone is connected using a code you display on your screen. Only the family can see your child's data, and there are no ads in the app.

The first 30 days are free, no card required. After that, one subscription is available for the entire family, with any number of children.