Coinsprout is designed so that the parent does the two-minute part, the kid does the fun part, and nothing with a consequence ever reaches child mode.
Create a parent account with your email. Add a child with a nickname and an age band (6 to 8, 9 to 11, or 12 to 13). Tell us whether they get an allowance so missions can reference it. That is the entire setup, and it takes about two minutes.
Hand over the tablet or laptop. Your kid picks a world by tapping a picture and plays three decision turns plus a wrap-up. The AI plays the shopkeeper, the trader, the friend who wants to swap, and reacts to the exact choice your kid made.
Log in to see a progress view for each of the five money skills, every debrief your kid has received, and the parent note that goes with it. Once a week we pull one conversation starter from what your kid actually did.
Two missions, one dinner question, a few minutes total. Here is one family, lightly fictionalized.
Allowance day. Maya (8) plays The Lemonade Stand after breakfast. She keeps two coins back for tomorrow.
Debrief lands in the parent view: earning plus a little planning. Parent note suggests asking what she would price a cup at next time.
Maya plays The Trading Table. She takes the flashy deal. The AI shopkeeper does not scold, just shows what she gave up.
At dinner, the weekly conversation starter: "Was there a trade this week that looked better than it was?" Maya has a story ready.
Progress view shows spending nudging up. Saving still the strong one. The next suggested world is The Waiting Game.
Every mission ends with one of these. Kid-language, two to four sentences, the skill named, no shame.
You bought lemons, picked a fair price, and sold eleven cups. When Mr. Patel offered the shiny cups for all your coins, you said no thanks and kept some back. That is earning: work, plus a little planning. The two coins you saved are tomorrow's lemons.
Parent note
Maya practiced earning and chose to hold money back for later, unprompted. Dinner question: "If you ran the stand again tomorrow, what one thing would you change?"
What happened first
Kids remember the story. Anchoring the lesson to the exact choices they made is what makes it stick.
Then the why
The skill gets named in words the age band can repeat. A six-year-old hears "keeping some back for tomorrow." A twelve-year-old hears "opportunity cost."
Never a scold
If the kid took the flashy deal, the debrief says what they gave up and asks what they noticed. Mistakes are the lesson, not the verdict.
One question for you
The parent note always ends with a single question that comes from the mission, so the conversation at home starts with something real.
Five skills, each with a simple level and the number of missions that fed it. Not a leaderboard.
Every debrief and parent note, newest first, with the world and the choices your kid made.
One question a week, generated from your kid's most recent mission. Mark it as asked when you have used it.
Kids, plan, billing, export as JSON, and delete the whole family. All behind your password only.