Financial education for ages 8+
Kids learn how money works. With money that isn't real.
Junior Invest is a learning app. Children work through lessons on saving, inflation, credit and how companies make money, then practise on a virtual portfolio. Real market prices, virtual money, nothing that can be bought.
Virtual money · No investment advice · No marketing emails
What we don't do
Four things we will not do
This is a school subject dressed as an app, and it stays that way. Each of these is a standing rule, not a current setting.
We recommend no investment
Nothing in the app is financial advice. Companies appear as case studies, never as suggestions.
The money is virtual
Nothing is deposited and nothing is withdrawn. There is no link to a real account or any trading platform.
We send no marketing email
Only what the account itself needs. No campaigns, no re-engagement, no push notifications.
We promote no brand
The companies are here because a child recognises them, not because anyone paid for the placement.
How it works
Learning comes first and pays for the practice. A child cannot buy anything before finishing lessons.
Step one
Finish a lesson
Thirteen chapters on the path, each one a short read followed by a quiz and a word game. Every chapter has to be finished before the next one opens.
Step two
Earn Inbux
Inbux is the app's learning currency. A lesson pays 20–25, a business story pays 40. It converts into virtual cash at the day's rate, which is a lesson in itself.
Step three
Practise on a company
Sixty-nine companies, each with a plain-language page on how it makes money and what could go wrong. Then a virtual purchase, and months of watching what happens.
School
A curriculum, not a quiz app
Nine subjects sit behind the path, each with its own chapters and its own progress. A child can follow the path or go straight to a subject.
Thirteen business stories
Real companies, told as stories: how Nike, Disney, Tesla, MercadoLibre, Nubank, Globant, Embraer, Vale, Real Madrid and a handful of others actually make their money, and what could go wrong for each of them.
Every story ends on the risk. That is the point of it. No logos, no brand voices, no affiliation of any kind.
Two teachers, picked and named by the child
Before the first lesson, a child chooses two characters and names them. Those two then explain every lesson and every quiz. It is a small thing that makes the subject feel like theirs.
Prices go down too
Sometimes the price falls. We don't hide it.
The prices in Junior Invest are real market prices. The money is not. That combination is deliberate: a child sees what actually happened to a company, without a single euro at stake.
This chart is the app as it shipped, not a chosen example. Down 32% over six months, in red, with the fall drawn at full height. An app built to sell investing would have picked a different screenshot.
A falling chart is the most useful lesson in the app. Children who only ever see growth learn the wrong thing about markets.
The patient option
Not everything has to be invested. Some money can just wait.
Deposits are the other half of the money lesson: sometimes the better move is to buy nothing at all. A child can leave an amount untouched — freely, or locked in for a set number of months — and watch a small, real percentage add up.
The comparison, before a single tap
The same amount, shown three ways at once: sitting untouched, growing slowly in everyday savings, or locked for a year at a better rate. No sales pitch — just three numbers side by side.
Every rate, before it's locked in
Four lengths to choose from, each with its own real rate, and the exact payout worked out before a child confirms anything — not after. Closing a term deposit early is allowed too, shown honestly as a smaller payout, not a hidden penalty.
A deposit is the calmer choice, not a risk-free one — the rate can change, and nothing here is money in a real bank. Pretending otherwise would be its own kind of bad lesson.
Progress, without the pressure
There are leagues and there are high scores, so this page won't pretend the app isn't competitive. What matters is what the competition is about.
Ranked on what you know
Leagues rank children on IQ points earned in quizzes, not on portfolio returns. Nobody climbs by taking a bigger risk.
Rankings are grouped by age and region. A room needs five children before the league starts and anyone gets ranked.
Thirteen practice games
Grouped by the skill they drill: reading a chart, spotting the odd one out, doing the maths, memory and focus.
No streak to protect, no hearts to lose, no daily goal and no notification asking a child to come back.
For parents and teachers
Children and teachers make their own accounts. Parents are welcome to make one too, and it will be an ordinary account: you can work through the same lessons, but you get no administrative control over a child's account.
Three languages, and read-aloud
English, Spanish and Romanian. Every lesson can be read out loud using the device's own voice, which helps younger and dyslexic readers.
Deletion goes through a person
Requesting deletion opens a request that our team reviews before the account is removed. It is not instant, and the app says so on the screen rather than in a policy.
Six documents, all public
Privacy, the investment disclaimer, terms, acceptable use, cookies and third-party content. Linked from inside the app and from the foot of this page.
Sustain the work
Junior Invest is free. Keeping it free costs something.
There are no ads in the app, no sponsored companies, no data sold to anyone and no paid tier holding lessons back. That leaves one way to pay for it: the people who think children should learn this.
If you contribute, nothing changes for you inside the app. No badge, no unlocked chapter, no early access, no mention on this page. Every child gets the same product either way. That is the whole point of asking this way instead of charging.
Minimum $5 / €5
Where it goes
Market data
Real prices for sixty-nine companies come from a market-data provider. Hosting is the largest running cost.
Writing the lessons
Every chapter and business story is written and checked for an eight-year-old reader, in three languages.
Servers and safety
Hosting, backups, and the human review behind every account-deletion request.
A contribution is not a payment for a service and buys nothing in the app. Children cannot contribute; the page is for adults.
Start with the first chapter.
Save or Spend, four minutes, no card and no deposit at any point.
Contact
Get in touch, or report a problem
A message here goes straight to our team - there's no separate address to remember or copy.