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What does your child actually know about money?

Have you ever asked? Most of us assume children pick it up along the way. Sit down together for fifteen minutes, and get a report the same evening.

Take the survey See a sample reportWe never ask for your child's name. What we do with your answers

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What children have said

Where does the money in our house come from?Mother and grandmotherage 9

₹200 for the month. ₹150 on a game, then a ₹100 gift. What happens?Will ask the 50 short from motherage 10

₹50 now, or ₹100 on Sunday?100 is more than 50. The difference is when you get it.age 9

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How it works

Three steps, one sitting.

No sign-up, no app, nothing to install. Just you, your child, and fifteen minutes.

Sit down together

We give you the questions. You read them out and write down exactly what your child says, even when it makes you wince. Especially then.

Make one real offer

A small amount now, or double it on Sunday. An actual choice with actual money, honoured either way. How a child handles waiting tells you more than any quiz.

Read what comes back

The same evening: what their answers suggest, and a few small things worth trying this week. Most of them take ten minutes.

The report

What came back that evening.

Seven or eight sections like this one, each written from what your own child said. Plain words, one thing to try, no jargon.

Where money comes fromWanting and waitingDigital moneySpotting a scamSaving for something

Where money comes from

They said

From the ATM

What that means

For your child the story ends at the machine. The ATM is where money appears, so there is no reason for it ever to run out.

Try this week

Take them along the next time you withdraw cash. Show the balance before and after. One sentence is enough: “This is my salary from work. When it finishes, it finishes.”

If you only do two things this year

1. Where money comes from, and that it is finite.
2. One saving goal, with the money somewhere they can see and count it.

In their words

What children are saying.

The first families are in, from Hyderabad, Bengaluru, Indore, Pune, Lucknow and Dubai. A few answers, as their parents wrote them down.

Where does the money in our house come from?From earning, but who earns, don't know.age 13

You had ₹20 and bought a chocolate. Can you buy the balloon?Money finished in chocolate.age 6

When I pay with my phone, where does the money go?To the shopkeeper's bank account.ages 6 to 8

Why the nearer shop, at ₹40 instead of ₹30?If I go far, the conveyance expenses will take.age 11

“You've won ₹10,000! Just send your details.” What do you do?Will not send. Hackers will do fraud.age 13

₹12,000 now, or ₹1,100 a month for a year. Which costs more?Paying every month costs less.three of three, ages 12 to 14

Lines are quoted with the age only. Never a name, a city or a school. See the wall — it grows as families take part

Why this matters

Money is the medium. Behaviour is the subject.

Many adults who struggle with money were never taught the habits underneath it: how to want, how to wait, how to decide, how to tell when something is wrong. Those habits form long before anyone opens a bank account.

So we are starting at the beginning, with Indian children aged six to fourteen.

27in every 100

Indian adults who can handle money. NCFE Financial Literacy and Inclusion Survey, 2019. Urban 33%, rural 24%.

Wanting, waiting, deciding: money habits form in childhood, long before anyone opens a bank account.
India has one of the largest child populations in the world, and for young children this is still rarely taught, and even more rarely measured.
So, one question: have you ever asked your child what they think money is?

Privacy

What happens to your answers.

We never ask for your child's name

Your answers are not sold or shared

No ads, and no tracking you around the web

Ask, and we delete it

The full privacy policy is one page long.

CA Rushabh Jamdade

Chartered Accountant from Pune. Formerly at PwC and Thermo Fisher Scientific. Visiting faculty at SIBM Pune and MIT World Peace University. This study looks at how Indian children aged six to fourteen understand where money comes from, how they handle waiting, and how they manage what they have.