How to Review a Child Account Balance
KiddyCash organises every child’s money into three separate buckets — Spendable, Saved, and Invested. Understanding what each bucket holds helps you guide your child’s financial habits, whether you’re tracking a weekly allowance in Nairobi or monitoring a savings goal funded by M-Pesa transfers.
Before you begin, make sure you have already set up your household. If you haven’t, follow the steps in How to create a family account first.
What the three buckets mean
| Bucket | What it holds | Child can access it? |
|---|---|---|
| Spendable | Money available for everyday purchases — school snacks, airtime, small treats | Yes, immediately |
| Saved | Money set aside for a goal your child has chosen or you have defined | Only when goal is met or you approve |
| Invested | Money locked for long-term growth, managed at the parent level | No — parent controlled |
Understanding these buckets matters because allowances behave differently depending on how you configure splits. Read how allowances work as a family financial tool for a deeper explanation.
Before you start
- You must be the family admin — the parent who created the household.
- The child account you want to review must already exist under your family.
- You need the child’s Kiddy Account ID (found on their profile page inside the app).
Steps to review a child account balance
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Open the KiddyCash app on your phone and sign in with your parent credentials.
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Tap the Family tab at the bottom of the screen. You will see a list of every child profile linked to your account.
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Select the child whose balance you want to review. Their profile card opens.
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Tap “View Account”. This takes you directly to their account dashboard. You can also navigate there from a browser using the direct link format:
https://kiddy.cash/family/kiddy/account/:kiddy_account_idReplace:kiddy_account_idwith the actual ID shown on the child’s profile. -
Review the three buckets. Each bucket displays:
- Current balance in KES (or your configured currency)
- Recent transactions with dates and amounts
- Any active goals or badges earned
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Tap a bucket to expand the transaction history inside it. You can see individual credits — for example, a KES 200 allowance split or a M-Pesa top-up — and any debits the child has made.
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Check the Activity Feed below the buckets. This shows the full chronological history across all three buckets in one view, which is useful for a quick audit.
Tips for parents
- If a bucket balance looks unexpected, cross-check it against your family-level summary. See How to view your family account balance for guidance on reading the parent dashboard.
- You can set spending limits on the Spendable bucket directly from this screen — tap the pencil icon next to the bucket header.
- Badges your child has earned appear alongside the Saved bucket. They are a built-in way to celebrate saving milestones, which research shows reinforces good habits. For context on why this matters, see why allowances matter for modern families.