Financial literacy, made fun

Real banking lessons,
built for children.

EarnSpire Financial gives children a hands-on way to learn how money really works — earning, saving, and making spending decisions — using spires, a play currency for chores. No real money or bank account is on the line while they learn the habits that carry over to real banking later.

No credit card required to start.

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What's a spire?

Spires are the points your children earn for completing chores — a play currency that mirrors real money, without real-world risk. They build a spire balance, save it toward a goal, and redeem it for rewards you decide on, practicing the same earn-save-spend habits that carry over to real banking later. It's your call how spires translate to the real world — we never touch real bank accounts or real cash.

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Chores earn spires

Assign one-off or recurring chores, each worth a set number of spires. Children complete them, you approve, and their spire balance updates instantly.

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Savings goals

Children set their own goals — a toy, a trip, a gift for someone else — and learn to save toward it step by step, just like a real savings account.

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A rewards centre

Turn spires into something real: screen time, an outing, a treat, or actual allowance cash — whatever your family decides they're worth.

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Classroom-ready

Schools can run their own version: teachers assign classroom tasks that earn spires too, tracked separately from home. Classrooms are always free — every teacher, ECE, and student account, no matter how many kids are enrolled. A parent can separately choose to extend it for use at home for their own child.

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Built for the whole family

Every child gets their own spire balance and history. Parents see everything at a glance and manage it all from one place.

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You're always in control

Nothing moves without your approval. Adjust balances, set allowances, and review activity any time.

How it works

Set up takes a few minutes — no card required to try it.

1

Create your family

Sign up, then add an account for each child — no join codes, no setup hassle.

2

Assign chores & rewards

Set what's worth earning, and what it can be spent on.

3

Children earn, save, and redeem spires

Spire balances update in real time as chores get approved and goals get funded.

Simple pricing

Free for classrooms — every teacher, ECE, and student account at a school costs nothing, no matter how many kids are enrolled. Pricing only applies if a parent chooses to extend it for use at home: one flat rate per child. Spires themselves are just points your children earn — not real currency, and not part of this price.

$5/child/mo

For home use only — 14-day free trial, no card required.

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Ready to give your children a head start?

Get set up in minutes. Cancel any time.

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