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.
Add a deposit whenever money arrives, or during Monty O’Clock. Either way, your kid decides the split, with your help. Each one can record where the money came from (a title and category during Monty O’Clock, or an optional reason and note on the Deposit screen), so the story behind it can stay part of the record.
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.
Parent guide: Allowance by age in Canada.
How it works, answered
Is real money involved?
No. Monty holds no money, has no debit card and moves no dollars. It's a ledger: it tracks the allowance you already give and what your kid decides to do with it. Your bank (or the jar on the counter) stays the source of truth.
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?
Kindergarten through Grade 8, roughly ages 5 through 12, 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, and you're set for your first Monty O'Clock — where your kid picks their split.
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, two minutes, your kid's real money.