$50 in. $50 out. The clock reset Sunday at midnight. Nothing carried.
Child Allowances
Their card. Your rules. To the hour.
A weekly allowance. A category whitelist. School hours only on Tuesdays. Rollover if Mateo doesn't blow it on snacks. Composed once on a Sunday afternoon, enforced at every swipe — and quietly auditable in your Klutch app while they're at recess.
CARDHOLDER
Mateo
PERIOD BUDGET
$50.00
$32.40
SPENT · $32.40
REMAINING · $17.60
RESETS IN · 3D 11H
- CATEGORIES
-
- FOOD
- EDUCATION
- FITNESS
- TRANSIT
- GAMES
- ENTERTAIN.
- DAYS · HOURS
-
M T W T F S S00 06 12 18 2408 — 20
- ROLLOVER
- unspent funds carry to next week
- OVER-LIMIT
- decline · don't ping you, don't embarrass him
§ 02Four levers. One card. Twelve-year-old proof.
Pocket money used to be a crumpled twenty on Sunday. This is what came after.
Every Klutch card you spin up for a kid runs a small program. Four levers — set independently — decide whether a swipe at 11:42pm on a Tuesday at a vape shop goes through. (It does not.)
-
01 · Amount A budget that picks its own period.
Five dollars a day. Fifty a week. Six hundred a year for the kid who's saving for a guitar. Klutch tracks against the period you pick — and resets the clock automatically when it ends.
-
02 · Categories Whitelist food. Block games.
Twelve categories, each independently allowed or blocked. The card knows the difference between a salad and a season pass. Subtle, until your kid tries to spend a month's allowance on Roblox in two minutes.
-
03 · Schedule School hours. Not 1am Saturday.
Pick the days. Pick the window. The card declines outside it — gently, without a notification, without a story to tell at the lunch table. (You'll see it in your dashboard. They won't.)
-
04 · Cover The big stuff goes on your tab.
When the band trip costs $185 and the weekly allowance is $50, you don't lecture — you cover it. Tap once in the app and that single transaction posts against your card, not theirs. They never see the math.
§ 03Periods that reset themselves.
Sunday rolls around. The budget rolls with it.
Every period closes on its own. Spent in full? It resets to zero and refills. Came in under? Flip rollover on, and the surplus carries forward — Mateo's quiet weeks earn him a louder one. No spreadsheet, no Venmo, no Sunday accounting.
$32.40 spent. $17.60 left. If he ends the week under, the surplus joins next Sunday's $50.
A quiet week leaves him with $67.60 next Sunday. A loud one resets him to $50 flat.
§ 04The whole shelf, labeled.
Twelve categories. Each one a switch.
- 01 Food cafeterias · groceries · cafés
- 02 Education books · tutoring · supplies
- 03 Fitness gym · classes · gear
- 04 Transit bus · subway · rideshare
- 05 Clothing basics · shoes · outerwear
- 06 Giving charity · school drives
- 07 Gifts birthdays · friends
- 08 Home household · supplies
- 09 Pets food · vet · toys
- 10 Games in-app · subscriptions
- 11 Entertainment streaming · cinema
- 12 Misc everything else
ON means a swipe in that category goes through. OFF means it bounces — quietly. Toggle them whenever; the next swipe respects the new rule.
§ 05The Sunday view, without the receipts.
Two cards. One ledger. The week, on a page.
A single screen tells you who's been frugal, who blew through Tuesday, and what you covered yourself. No drill-down required, but it's there if you want it.
CARDHOLDER · 01
$205.96
Mateo
- THIS WEEK
- $0.00
- THIS MONTH
- $0.00
- THIS YEAR
- $205.96
- COVERED
- $0.00
CARDHOLDER · 02
$0.00
Sofia
- THIS WEEK
- $0.00
- THIS MONTH
- $0.00
- THIS YEAR
- $124.09
- COVERED
- $60.00
§ 06Three quiet wins.
Reasons parents install this on a Sunday afternoon.
"Lunch money, but not lunch-money-on-Roblox."
$8/day, FOOD only, 7am — 4pm, Mon–Fri. A swipe at the cafeteria works. A swipe at the App Store doesn't. Mateo never finds out which line in the rules tripped him; he just orders the salad.
- BUDGET$8 / day
- CATEGORIESFOOD
- WHENM–F · 7a — 4p
"She wants the guitar. She'll buy the guitar."
$25/week, rollover on, no category restrictions. Sofia's been quietly stacking pennies for fourteen weeks. The card holds the math; she just watches the number climb. When she checks out at Sweetwater, it goes through.
- BUDGET$25 / week
- ROLLOVERon
- BALANCE$343.18
"The band trip. Just cover it."
$185 lands on his card at the music store checkout. You see the alert, you tap cover. The charge moves to your tab. His weekly $50 is untouched. He gets the trip; you get to skip the talk about saving up.
- AMOUNT$185
- POSTED TOyour card
- HIS TABuntouched
§ 07Three minutes. Two cards. One Mini App.
Install Child Allowances once. Run it until college.
-
01
Get a Klutch card.
Most applicants are approved instantly. Child Allowances rides on the same Klutch account and your existing credit line — no separate funding required.
Apply → -
02
Add the Mini App.
Open Klutch · App Store · find Child Allowances · tap Add to Klutch. $3.99/month. Unlimited children. No per-child fee, no minimum balance, no pre-funding.
Family Child Allowances BY KLUTCH + ADD TO KLUTCH -
03
Compose the spec.
Name the kid. Set the amount & period. Pick the categories. Draw the schedule. Press save. Hand them the card. Cover the big stuff from the dashboard. Done by Tuesday.
"$50 a week, food & transit only, school hours, rollover on, decline if over."
§ 08Pocket money grew up.
A first card
worth handing over.
A weekly allowance with the engineering treatment. Nothing for them to install. Nothing for you to reconcile. Just a card, a spec, and a quiet Sunday.
KLUTCH · Your Card. Your Rules.