TONKO

TONKO is a pocket money app for the whole family. A parent sets the allowance, the jobs and the family rules; a child earns money by doing jobs, then decides how to split every euro between three jars — Spend, Save and Grow — and saves toward goals with a picture and a finish line. It is built for families with children aged 6 to 14, with content that adjusts by age band (6–8, 9–11, 12–14), and its purpose is to teach money skills through a child's own pocket money, week after week, rather than through lectures or worksheets. One app serves the whole family: everyone downloads the same TONKO, and what it shows depends on whose phone it is and whose turn it is. The idea behind the product is that money isn't just a number on a screen. It's small decisions, every day, around the kitchen table — and TONKO turns those decisions into habits that last a lifetime. Its own framing is that money is a skill learned by doing, not by lecture: the lessons come from a child's own euros, from waiting for a goal to fill up, and from choosing where each euro goes every single week. TONKO also removes the parts parents worry about. There are no ads, nothing is sold, and there is no bank card and no real investing — TONKO is a family ledger for pocket money you already give, in real currency, but it does not hold or move money. You pay out the way you always do; TONKO makes it visible and meaningful. Earning is the first lesson. Work has a value, agreed in advance, so a job done well turns into pocket money — but only once a parent says well done. Jobs pay out only after a parent approves them, nothing moves on its own, and approval takes one tap from the parent's phone. Parents can invite a second parent with a link, and both can set jobs, approve them and see progress. The app's example moments show how this plays out: a child tidies his room and the job waits for Mum, it is marked done, Mum says well done, and the money lands in his pocket. On the parent side, a dashboard shows the next allowance and the jobs waiting for approval — for example, “Tidied his room, Leo, €2.00” and “Watered the plants, Mia, €1.50.” Every euro gets a job. New pocket money waits until the child decides where it goes, choosing between three jars: Spend, for now — small treats chosen on purpose; Save, for later — a goal with a picture and a finish line; and Grow, for much later — a family bonus that rewards waiting. Making that choice is the lesson, and it happens every week. Goals make saving concrete: a “My first bike” goal showing €67.50 of €120 (56%) fills up week by week, and a goal streak shows progress such as four weeks of saving. Wishes complete the picture: a wish becomes a goal to save for rather than something to drop in a basket, because the gap between wanting and having is where judgement grows. The Money Time Machine is a playful tool kids find inside TONKO, and the same tool appears on the website as the Money Lab. Move the sliders — for example €5.00 every week for 1 year — and see what a little every week could become: the illustration shows €273 from €260 put in plus a €13 family bonus, and lists example targets like headphones at €45, a bike at €120 and a school trip at €300, with a bike reached in about six months. The bonus is a family reward the parent sets (10% a year in the example), not a market return — no markets, no investing, no trading. The one-euro story on the site walks the same path: a euro is earned, then given a job, then added to week after week, and a euro a week for five years is €260 put in, about €337 with a 10% yearly family bonus. Alongside these tools, children learn money skills in short lessons inside the app. Getting started is designed to be quick — “ready before dinner.” First you set up your family: download TONKO, add your children with a nickname and an avatar, and choose their pocket money and jobs. Second, you connect their phone with a one-time code, or simply hand them your own phone; it is the same app, with their own space. Third, they earn, share out and grow: they mark jobs done, you say well done, and they decide where every euro goes, with goals to aim for. The first time a child opens TONKO, Tonko the mascot shows them around — a tickle, five practice coins and a dream to save for, with no lectures — while parents get their own short tour explaining why TONKO works the way it does, plus a “First steps” card that gets the family ready in five minutes. The outcomes are framed as five things a child walks away with: that money is earned, because work has a value agreed in advance and a job done well becomes pocket money once a parent says well done; that every euro needs a job, because choosing between spending now, saving for a goal and growing for later happens every week; that saving has a point, because a goal with a picture and a finish line is easier to reach than a vague “someday”; that waiting pays, because a little every week becomes something real over months and years and kids see it before they believe it; and that wanting isn't buying, because a wish becomes a goal to save for rather than an impulse. Together these turn everyday money moments into visible progress a child can watch accumulate. Typical use cases follow the family routine. A parent sets a weekly allowance, shown in the app as allowance arriving on Saturday, and the child splits it across the three jars. Jobs around the house become earning opportunities — tidying a room for €2.00, watering the plants for €1.50 — each waiting for a one-tap parental approval before it pays out. A child saving for a bike watches the goal reach 56% and eventually “Goal reached!” after months of small transfers. A family using a shared phone can hand the device to a child, whose space stays open until the parent takes it back with a fingerprint, face or the family PIN. A second parent joins by link and approves jobs too. And because TONKO tracks pocket money the family already gives, parents keep paying out exactly as they always have. Safety is built around parents. Jobs pay out only after a parent says well done, and nothing moves on its own. On a child's phone, grown-up settings open only with an OK from a parent's phone or the family PIN, then close again. Wrong PIN guesses slow things down, and every sign-in is kept encrypted on the phone. Kids see no ads and nothing is sold — the website itself carries no analytics. Children stay private: they use a nickname and an avatar, with no email, password or photo needed, and a child only sees their jars, jobs, goals, the Money Lab and their own progress — never family settings or other children's details. TONKO is free on Android with one child, with an iPhone version planned for later, and it speaks English and Croatian, following the phone's language with a setting to change it at any time. In short, TONKO's value proposition is simple: one app for the whole family where kids learn how money works by earning it, sharing it out and saving for something they really want, with a parent approving every step. Little habits, a lifetime ahead.