Coinsprout
AI-native money missions for ages 6 to 13

Kids who get money, one mission at a time.

Coinsprout runs short, playful missions where an AI plays the shopkeeper, reacts to your kid's real choices, and explains what happened in kid words. You set them up. They play. You get progress and dinner-table questions.

Start a mission How it works
  • Parent owns the account
  • No real money moves
  • No ads, ever
The Lemonade Stand10 coins

Mr. Pico sells fancy cups for 5 coins or plain cups for 2. The sun is blazing. What do you buy?

Plain cups, keep 4 coins Fancy cups, spend it all
Live demo

Try a mission as a kid

Pick an age band and play three turns of The Waiting Game. The AI reacts to what you choose and debriefs at the end. No login.

First, how old is the kid playing?

The AI tunes the words, the numbers, and the ideas to the age.

No login. Nothing is saved. Pretend coins only.

How it works

Three clay steps for parents

You do the setup. Your kid does the playing. The AI does the improvising, inside rules you can read.

  1. 1

    Set up your kid

    A first name or nickname, an age band, and whether they get an allowance. Two minutes. You own the account.

  2. 2

    They play missions

    Short interactive stories. The AI plays shopkeepers and tricky deals, reacts to each choice, and debriefs the why in kid language.

  3. 3

    You get progress and questions

    A view of each money skill, recent debriefs, and one dinner-table question a week that actually starts a conversation.

Mission worlds

Five worlds, five money skills

Each world is a short interactive story. Press one to see what it teaches.

Features

Inflated with the good stuff

Everything a parent wants from a money app for kids, with nothing you would have to explain away.

  • Age-tuned missions

    Words, numbers, and ideas scale from 6 to 13. A six-year-old counts coins; a twelve-year-old meets opportunity cost.

  • Reacts to real choices

    Pick A, the story goes one way. Pick B, it goes another. The AI improvises inside the scenario.

  • Kind debriefs, never shame

    Mistakes are the lesson. Every debrief says what happened and why, warmly.

  • Parent progress view

    Earning, saving, spending, giving, waiting. See where your kid is strong and where to nudge.

  • Conversation starters

    One good question a week, pulled from what your kid actually did in a mission.

  • No real money, no ads

    Pretend coins only. Child mode has no settings, no billing, no external links, no advertising.

  • Model-agnostic

    Coinsprout routes across language models. If one provider is down or a better one appears, missions keep running.

Built AI-native

The AI is not a feature. It is the whole stand.

A scripted app can show a kid one path. Coinsprout improvises an age-appropriate money scenario, plays the shopkeeper, responds to the exact choice your child made, and then explains the why in their words. That is only possible with modern language models, so we built around them from day one.

  • Improvises each scenario inside a fixed, kid-safe frame
  • Adapts to age band and to the choices made so far
  • Debriefs the why, never the blame
  • Model-agnostic: routes across providers, swap without a rewrite
How the AI works, for parents

Every turn is validated

{
  "scene_text":   "string",
  "choices":      ["a", "b"],
  "typed_prompt": "string | null",
  "reaction":     "string | null",
  "debrief":      "string | null",
  "parent_note":  "string | null",
  "skill_tag":    "waiting",
  "done":         false
}

The model must answer in this exact shape. Anything else is rejected and retried, then replaced by an authored turn. Child-safety rules ride in the system prompt on every call.

Parents and Safety

COPPA-conscious by design

Kids play in a child mode built from structured choices and short typed answers. The parent owns everything else.

  • Parent-owned account
  • Structured play, no open chat
  • Nothing collected from kids
  • No ads, no external links
  • No real money moves
  • Export and delete anytime

The AI never asks a child for personal details and redirects personal questions back to the mission. Content is always age-tuned and kind, and a child is never shamed for a choice. Mistakes are the lesson.

Read the full stance
From parents

Two things we hear a lot

“My eight-year-old chose the okay skateboard, got the debrief, and asked to play again so he could 'try the waiting one.' That is a sentence I did not expect to hear.”
Dana R., parent of two, Westerville, Ohio
“The dinner-table question was the surprise. 'What makes a trade fair?' kept our ten-year-old talking for twenty minutes. I finally understood how she thinks about her allowance.”
Marcus T., parent of one, Austin, Texas
Pricing

Three clay tiers, USD only

Start free. Upgrade when your kid asks to play again. Cancel anytime.

  • Free

    Try a real mission with one child.

    $0forever
    • 1 child profile
    • 1 mission a week
    • Kind AI debriefs
    • Parent progress snapshot
    Start free
  • Most families pick this

    Family

    Every mission world, every week, up to 3 kids.

    $7per month
    • Up to 3 kids
    • Unlimited missions in all 5 worlds
    • Progress per money skill
    • Weekly conversation starters
    • Export your family data anytime
    Choose Family

  • Grow

    Bigger families, sibling challenges, first in line.

    $12per month
    • Up to 6 kids
    • Everything in Family
    • Sibling challenges
    • Priority support
    • Early access to new worlds
    Choose Grow

Prices in US dollars. Paid plans are billed to the parent account only. Kids never see billing.

FAQ

Friendly answers

What ages is Coinsprout for?

Kids 6 to 13. You pick an age band when you add a child, and every mission tunes its words, numbers, and ideas to that band.

Does any real money move?

No. Everything inside a mission is pretend coins. Coinsprout is not a bank, a card, or a wallet, and it never will be in child mode.

Is the AI safe to use with my kid?

Missions are structured choices plus short typed answers, never open chat. The AI runs inside fixed child-safety rules, never asks for personal details, and every reply is validated before it reaches your child. Read the full stance on the Parents and Safety page.

What does the free plan include?

One child and one mission a week, with the full kind debrief and a parent progress snapshot. No card needed.

Which AI model do you use?

Coinsprout is model-agnostic. We route across providers and can swap models without changing the missions or the safety rules.

Can I export or delete our data?

Yes, from Settings, any time. Export gives you a JSON file of your family's data. Delete removes the whole family, kids included, permanently.

Is pricing in my currency?

Pricing is in US dollars worldwide. Your card provider converts at its usual rate.