Raising Money-Smart Kids
Thirteen guides on pocket money, chores, saving and mobile money, written for Kenyan households and checked against what M-Pesa, the school calendar and the law actually say in 2026.
Last reviewed 9 September 2026
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How to Teach Kids About Money in Kenya
The age-by-age plan from 4 to 17, the everyday moments that teach it for you, and what school does not cover.
Ages 4–17 · 9 minHow Much Pocket Money by Age
2026 KES ranges, the per-year-of-age rule behind them, and the three things that move the number in your house.
Allowance · 6 minChores, earning and saving
Age-Appropriate Chores for Kids
A chore chart from 2 to 17 with what to expect at each stage, plus the four rules that stop the daily nagging.
Chores · 6 minShould You Pay Kids for Chores?
What the research on rewards actually shows, and the free-versus-paid split that keeps both responsibility and earning.
Chores · 6 minHow to Teach Kids to Save Money
Seven steps that hold, what the marshmallow test really showed, and what to do when they want to raid the pot.
Saving · 7 minSpend, Save, Give
The three-pot split, shares by age, and how tithe, sadaka and harambee fit a Kenyan household.
New · 6 minDigital money and safety
M-Pesa for Kids
Children can hold mobile money. What M-PESA GO allows and blocks, the documents, the limits, and the readiness check.
Updated for 2026 · 7 minMobile Money Scams Kids Fall For
Six scripts children actually meet, SIM swap in plain language, and what to do in the first hour after a mistake.
New · 7 minHow to Choose a Kids' Money App
Twelve questions on data, money, ads and deletion, including how Kenyan data protection law applies. We answer them too.
New · 7 minSchool and family life
Teaching Teenagers About Money
A monthly budget they own, earning, betting explained with arithmetic, and the money behind pathway choices.
New · Ages 13–17 · 8 minPreparing Kids for Boarding School
Sizing a term's pocket money from the 2026 calendar, the budgeting practice to do first, and a departure checklist.
Updated for 2026 · 8 minSchool Holiday Activities
Ten weeks from 26 October. A daily rhythm that survives week three, low-cost ideas, and chores that earn.
Updated for 2026 · 6 minCo-Parenting and Money
The five things to agree across two homes, allowance versus gift, and how to include grandparents and nannies.
New · 6 minTools and places
Free parenting tools
Pocket money calculator, savings goal calculator and a printable chore chart, all in KES.
Free · No sign-upThings to do with kids
A map-first directory of family-friendly places across Kenya, filterable by city, age and price.
DirectoryTija for Schools
Running financial literacy across a year group, for school leaders rather than individual parents.
SchoolsEverything in these guides, running by itself
Tija Kids pays the allowance on schedule, turns chores into earnings you approve, splits money into spending, saving and giving, and keeps co-parents and nannies on the same page.