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kids get paid to learn about money

Complete lessons. Earn real dollars. Build your future.

Oinko! helps kids build better financial futures

not pretend. actual money.

Every week you complete a lesson, you unlock real dollars... not virtual coins or fake points. It's yours to spend on gift cards or save for your future. Your learning has real value, and so do your rewards.

$5

per lesson completed

10%

returns every 6 months

watch your savings multiply

Put money in savings and watch it grow with 10% returns every 6 months. Small amounts today become serious money by the time you're ready for college, a car, or your first apartment. It's not just learning about compound interest... it's experiencing it firsthand.

interactive lessons that stick

No boring lectures or textbooks. Our bite-sized lessons use real-world scenarios and interactive challenges. You'll make actual decisions about saving, spending, and budgeting... the same choices you'll make with real money throughout your life.

10 min

per weekly lesson

1:1

one sponsor, one kid

powered by people who believe in you

Every dollar you earn comes from sponsors who care about your future. Whether it's a family member, mentor, or generous stranger... real people are investing in your financial education because they know it creates lasting change.

curriculum-aligned financial education

Every lesson is designed to Australian Curriculum standards, aligned with ASIC MoneySmart Teaching and Consumer & Financial Literacy frameworks. This isn't just an app... it's a complete financial education program that can be trusted by schools, nonprofits, and families.

blocks that build a strongfuture

earning & income

Where money comes from, different ways to earn, and understanding the value of work and time.

spending wisely

Needs vs wants, making trade-offs, planning purchases, and building healthy spending habits.

saving for goals

Setting financial goals, delayed gratification, and planning for both short and long-term needs.

growing wealth

Compound interest, returns on savings, and how small amounts today become serious money tomorrow.

real-world practice

Interactive scenarios that mirror actual financial decisions kids will make throughout their lives.

learn by doing

Interactive scenarios, not boring lectures

personalized pace

Bite-sized lessons that fit any schedule

build the habit

One lesson a week... habits that stick for life

break the cycle that traps generations

45% of kids who grow up poor stay poor their whole lives. They drop out of school. Relationships break down over money stress. Some end up incarcerated. Financial illiteracy doesn't just hurt... it defines entire futures.

without financial literacy

trapped in poverty

Cycles repeat across generations

education suffers

Only 78% complete school

relationships fail

Money stress destroys partnerships

health declines

Mental and physical toll compounds

with financial literacy

breaks the cycle

Kids create their own path forward

stays in school

Completes education with confidence

builds stability

Money skills create lasting partnerships

lives fully

Calm replaces constant anxiety

$40 a month. 52 lessons. Real money. Real choices. One kid who doesn't become a statistic.

$3,500 at 18 means real options

Save $5 every week from age 10 to 18. With 10% returns, that becomes $3,500. First car to get to work. Trade school fees and tools. Bond and rent to move out. Most kids aging out of tough situations have nothing. This kid has a future.

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start building a better financial future today

Join kids learning, earning, and saving with Oinko!