Spend
Everyday moneyReady to use. Cash-out («I already got cash») leaves checking right away; cash-in («I have money for mom/dad») waits for approval. Real cash stays with you at home.
Financial Education Starts at Home
Schools don't teach them money - you can. Oshik gives kids real practice: allowance, chores, or saving for a fun day out - even without cash. Spend wisely, wait for a parent bonus, and see how markets move - with a chat that explains without moving money.
You handle the real money at home. Oshik builds the habit.
What is Oshik?
Oshik is a family money journal for kids. Allowance, chores, or saving for a fun day out - even without cash. Every bit goes to Spend, Save, or Invest. There's also a chat that explains and suggests, without moving money on its own.
- Not a bank
- Not a debit card
- Not investment advice
- Parents handle the money
Nobody taught me money when I was a kid. Not at school, and not really at home either.
I built Oshik so kids can practice money decisions at home, safely, before the world teaches them the hard way.
3 Tracks for Every Dollar
Instead of pocket money disappearing - every bit of allowance has a clear purpose: spend, save, or invest. Kids choose; parents set the guardrails.
Save
Locked for a whileLock money for a month (or the period you choose). At the end, kids get a bonus from mom or dad - for waiting.
Invest
Indexes for learningTA-35, S&P 500 and more - see markets move up and down, with no trading and no real money at risk.
Where Does the Money Come From?
Three flexible ways to practice - tailored to how your family operates:
Regular Allowance
Weekly or monthly with an allocation ritual. You can also set it to $0 to skip fixed allowance completely.
Household Chores
Parents set tasks and amounts in the journal. Kids tap «Done», and funds enter checking only after parent approval.
Manual Adjustments & Gifts
Add funds anytime in the ledger - birthday gifts from grandparents, special rewards, or cash deposited with you.
How It Works
One family, two paired interfaces. Android is on Google Play.
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Parent Creates Family
Set allowances, caps, and deposit terms. The family account is managed by the parent.
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Child Connects via Code or QR
No separate email accounts or social logins. Fast pairing code from parent device.
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Allocate Allowance
Children choose how to divide money between spending, saving, and investing. Cash stays with you.
Two Apps, One Family Journal
Kids build confident decision habits. Parents maintain oversight and fund commitments.
For Kids
- Monthly split A quick routine: how much to Spend, Save, and Invest (when allowance is set).
- Household Chores Tap «Done» on tasks defined by parents. Credited to checking in the same wallet - zero points and zero XP.
- Goals & Rewards Parent or child can write a goal (fun day out, outing, or gift) - including shared family goals. Progress bar is clear; redemption needs a checking request and parent approval.
- Oshik Chat Ask about money in simple language. Get an explanation and a suggested action - without money moving on its own.
- Money locked for a while See when it opens, and what bonus mom or dad adds - if they wait.
- Simulated Index Funds Track TA-35, S&P 500, Nasdaq-100, or MSCI World without single-stock trading.
For Parents
- Chores & Approvals Set tasks and amounts in the journal. Kids mark completion, and you approve before funds enter checking.
- Agreed Goals & Rewards Personal or family goals. Track savings and approve redemptions from checking - no automatic buying.
- Caps, Currency & Allowance Guardrails for locks and investing, ILS or virtual currency, and allowance set to zero when needed.
- Approve Requests Cash-in, chores, locks, and goal purchases. Cash-out from checking is immediate; real bills stay with you.
- Bonus for waiting You decide how much to give at the end of the lock, and pay it from your pocket - not the bank.
Oshik Helps Kids Understand Money
An educational chat for kids - explains, suggests an action, and never moves money without approval.
- Ask in plain language About balances, savings, goals, and habits - not off-topic questions.
- Suggests, doesn’t execute A button like «Request 30 from parent» - the child confirms. Money never moves on its own.
- Parents stay in control Turn the chat off for the whole family or one child. Daily message cap included.
- Chat privacy Messages are used only to reply to the child - not for ads and not sold.
How Oshik Compares
A closed educational ledger providing hands-on literacy without youth debit card risks or spreadsheet headaches. Detail in the youth card vs journal guide.
| Feature | Oshik (Family Journal) | Youth Debit Cards & Banks | Cash Jars & Spreadsheets |
|---|---|---|---|
| Financial Safety | Zero risk - no bank account links | Risk of card loss, scams, overspending | No bank risk, but cash is easily lost |
| 3 Structured Tracks | Visual: Spend, Save, Invest | Typically checking balance only | Requires manual physical sorting |
| Index Fund Simulation | TA-35, S&P 500, Nasdaq-100, MSCI World | No investing or speculative trading | Not available |
| Bonus for waiting | Parent decides and pays from their pocket | Tiny bank interest, if any | No built-in reason to wait |
| Paired Family Interface | Pair via QR or code in 10 seconds | Lengthy ID verification & bank branch visits | No child interface |
| Pricing & Privacy | Free in preview, no data selling | Monthly subscription & card fee charges | Free, but lacks engagement for kids |
Guides for parents
Answers to questions people already search, even before the apps are in the stores.
How much allowance by age
Starting ranges, weekly vs monthly, and what the money should cover.
The 3-Track System
Spend, Save, Invest: how to start at home with no card and no bank.
Youth card vs journal
When a debit card makes sense, and when a closed ledger is enough.
Bonus for locked money
How much you give for waiting - without copying a bank rate.
Allowance and chores
Basic jobs unpaid; steady allowance; separate pay for extra work.
When the money runs out
Empathy without a bailout: how to talk, when to advance, when to wait.
Indices without trading
What age to talk about market indices, and how to explain ups and downs in a simulation.
Frequently Asked Questions
Everything you need to know about Oshik's educational principles, child privacy, and parental oversight.
What is Oshik and how is it different from a banking app?
Oshik is a family money journal for kids. Not a bank and not a card - real cash stays with you at home. Kids practice spending, saving, and investing with no risk.
Does Oshik connect to my bank account or require a credit card?
No. No bank link and no card. Cash or transfers stay between you and your kids, matching what the journal shows.
What age range is Oshik designed for?
About 6 to 16, with parents. Simple for a first allowance, deep enough for teens who want indexes and a bonus for waiting.
How do the three tracks (Spend, Save, Invest) work?
Every shekel goes one of three ways: Spend (ready to use), Save (locked for a while, then a parent bonus), and Invest (see indexes like TA-35 and S&P 500 - no trading).
Who funds the savings bonus and how does investing work?
The parent. Kids lock money for a while, and at the end they get a bonus from mom or dad - not a bank yield. On Invest, kids see indexes go up and down with no trading and no real money at risk.
What is Oshik AI in the child’s chat?
An educational money chat: it explains, sees balances and goals, and can suggest an action like asking a parent. The child confirms; money never moves on its own. Chat messages are used only to produce the reply - not for ads and not sold. Parents can turn chat off for the family or one child.
Is Oshik free and how is children's privacy protected?
Free. Android is on Google Play. For iPhone, leave an email. No selling data. Kids join with a short code or QR from the parent - no public profile. Chat messages are used only to reply, not for ads.
Can we use Oshik without a regular allowance or without real cash?
Yes. Set allowance to zero and save toward a fun day out or a gift. Kids do chores, watch the progress bar, and learn to wait - until you redeem outside the app.
Does the app pay out real cash for completed chores?
No. It's a journal only. You set the task and amount, the child taps Done, and the amount hits the journal after you approve. Real cash or a real purchase stays with you outside the app.
Can both parents install Oshik?
Not yet. The family account is managed by one parent. Support for two parents is planned and may come in a future update.
Android is in the store
Download Oshik on Google Play. The same link works for parent and child.
iPhone is coming
Leave your email and we will tell you when it is on the App Store.
Oshik is an educational journal - not a bank, not a card, and not investment advice. Numbers in the app are a simulation. Real money moves between you and your kids outside the app.