Real money. Small decisions. Better habits.
Monty gives kids a safe place to practise with the money already moving through family life.
From family setup to the next Monty O'Clock
Start with your family.
The parent creates the family workspace and adds child profiles. Each child's experience can reflect their age and money activity.
Create a predictable money rhythm.
Set the allowance amount, frequency, allowance day, and Spend / Save / Give structure.
The child's scheduled allowance becomes part of their next Monty O'Clock.
Choose when your family talks money.
The parent chooses the day and time.
Monty keeps track between check-ins.
During the week: birthday money can be added, chore earnings recorded, bonuses and gifts deposited, purchases logged, goals moved forward, and money given.
Manual deposits are split when they’re entered. Each one already includes a title and optional notes, so the reason for the money stays part of the story.
Then Monty brings it together.
Monty O'Clock reviews:
The exact session can change depending on what happened that week.
Do it again next week.
The goal isn't perfection. Some weeks the child saves more. Some weeks they spend. Sometimes a goal changes, or a purchase wasn't worth it. Those outcomes become the next conversation.
How it works, answered
Does Monty handle real money?
No — and that's deliberate. Monty holds no money, has no debit card, and moves no dollars. It's a ledger: it tracks the allowance you've agreed to and what your kid decides to do with it, while your bank stays the source of truth. When the goal is ready, you go buy the thing the way you always would.
Why does Monty O'Clock need a set day and time?
Because habits need a when. A weekly standing appointment — whichever day and time fits your family — is what turns "we should teach them about money" into something that actually happens. Parents set the day and time; Monty keeps the appointment.
What if my kid loses interest?
The goal is the hook. Kids stay with it because the number is theirs and they don't know which Monty O'Clock will be the one where the bar fills. Some weeks are flat — we don't paper over those with confetti, because that's what makes the week it fills land.
Why three jars and not four?
Spend, Save, and Give cover the three decisions every dollar faces: now, later, others. Grow — practice investing with pretend shares — is a bigger build, so it ships later as an optional add-on rather than crowding the weekly ritual today.
What ages is Monty designed for?
Roughly 6 through 17, with age-appropriate language and goals. Younger kids focus on the split and one goal at a time; older kids take on longer goals, giving, and more of the decision.
Do my kids need their own account?
You set everything up from one parent account. When your kids are ready, give them a PIN to sign in on their own device — always within the limits you choose.
How long does setup take?
About three minutes. Add a child, choose an amount and rhythm, pick a starting split, and you're set for your first Monty O'Clock.
Can I add birthday and holiday money?
Yes, and you should — it's usually the money doing the least teaching. Add it as a one-time amount and it becomes visible and splittable instead of sitting in an envelope in a drawer.
Set it up once. Then let Monty carry the routine.
One weekly check-in, five minutes, your kid's real money.