Real accounts, not simulations

Real money.
Real skills.
Real head start.

KidCommerce teaches kids ages 2–20 to save, invest, and build a business — using real financial accounts guided by an adaptive AI companion, not a game with fake currency.

Start your child's account See how it works
We never hold your money. Accounts stay with licensed partner institutions.
Illustrative net worth by age 18
$180,452
Real trajectory, Appendix D
Consistent saving + task-based earning + investing, starting at age 6
Illustrative net worth growth from age 6 to 18 A line chart showing net worth growing from near zero at age 6 to $180,452 at age 18, with markers at ages 10, 15, and 18. $10.2K Age 10 $76.4K Age 15 $180.5K Age 18
Curriculum

One curriculum, four real stages of growing up

Each age band builds on the last — from recognizing coins to running an actual small business, with an AI companion that adapts to how each child learns.

AGES 2–5

Explorers

Needs vs. wants, counting, and the first savings jar — taught through play and stories, with guidance for parents of children under 5.

AGES 6–10

Builders

Budgeting, saving goals, and a first real e-commerce project — kids launch and run a simple online storefront.

AGES 11–15

Investors

Stocks, bonds, credit, and taxes — with real brokerage and retirement accounts opened and overseen by parents.

AGES 16–20

Entrepreneurs

Portfolio construction, real estate, and scaling a business — graduating with a capstone plan and a mentor network.

How we're structured

We teach the money. We don't touch the money.

KidCommerce is a curriculum and technology platform — every dollar your child earns or saves lives at a licensed financial institution you choose, not with us.

What we do

  • Age-adaptive curriculum built with educators and financial-literacy experts
  • An AI learning companion that teaches analysis frameworks — never recommends specific investments
  • KA$H and Koins — engagement rewards for finishing lessons and real-world tasks
  • Connections to sponsoring local businesses for real paid tasks

What we don't do

  • We do not open, hold, or manage your child's financial accounts
  • We do not act as a bank, broker-dealer, or insurer
  • We never guarantee investment returns, on KA$H or anything else
  • Canceling never forfeits real savings — only KA$H/Koins follow a 90-day grace period
Pricing

Simple, per-child pricing

One subscription for the whole family. No hidden tiers.

First child

Full curriculum access

$9.95/month
Age-adaptive curriculum, AI companion, portfolio dashboard, and task marketplace.
Start free trial

Each additional child

$6.95/month
Same full access, discounted for every sibling added to your family account.
Add a child