Replace separate budgeting and kid-money tools with one parent-controlled workspace: monthly outlook, subscription watchlist, category pressure, reviewed transactions, and child-safe visibility. No custody or automated money movement.
Parent reviews the money picture first. Kids only see the parts that are ready for them.
Check projections, bills, category drift, and transaction review before trusting the plan.
Assign accounts and hide activity that should stay parent-only.
Reviewed balances and categories become kid-safe examples, goals, and requests.
Keep the family finance story consistent: one ledger, many explanations.
Project spend, income, and budget pressure before the month gets away from the family.
Review recurring bills and price changes before they shape the family plan.
Spot where spending pace is drifting and turn reviewed activity into better rules.
Choose which accounts and reviewed activity each child can learn from.
Approve or reject kid requests with the child-visible balance in context.
Use reviewed account activity to explain family money decisions without custody.
No custody. No hidden automation. Just clear money stories and parent control.