We think every kid deserves to feel money-smart.
Monty started with a simple question we couldn't shake: how do you teach a kid what money means — not just what it buys?
Kids see money everywhere — but rarely get to practise with it.
Tap-to-pay, in-game purchases, subscriptions, birthday money: kids are surrounded by money long before anyone teaches them how it works. And every allowance day, there's a small, quiet moment for the parent handing it over — is this teaching them anything, or is it just disappearing?
We built Monty to answer that question. Not with lectures, and not with a debit card — because a card teaches spending, faster. With a five-minute Saturday habit we call Monty o'clock: your kid splits their allowance into three jars — Spend, Save, Give — picks a goal, and watches it build, week after week.
We named it for a hardworking beaver, because beavers build — they stack small things, patiently, until they've made something that lasts. Monty the beaver is the friendly face kids meet along the way. But the decisions? Those stay with your kid, every single time. Monty shows and suggests. It never decides.
There's a longer story behind all this — the drawer full of birthday money, the “not yet” Saturdays, and the class none of us got. Read our story →
To help every Canadian kid grow into an adult who feels calm and capable about money.
The ledger, not the card.
The kids-money industry has one product: a debit card with a dashboard. Money in, money spent, lesson skipped.
Monty holds no money and issues no card. Your bank stays the source of truth; Monty is where the thinking happens — the split, the goal, the wait, the decision. That's not a limitation we're working around. It's the product.
The values that shape Monty
Family first
Money is a conversation between parent and kid. Monty supports it — never replaces it.
Plain talk
No jargon, no fine print. Honest language kids and grown-ups both understand.
Safe by design
Bank-level security, no ads, no real money held, and no card in your kid's pocket — a practice space that carries zero risk.
Build slowly
Good habits compound. We'd rather grow three solid jars than chase a hundred features.
The kid decides
No app should ever choose for a kid what to do with their money — including this one.
A small team of parents & builders
Monty is built by a small team who use it with their own kids every week.
Product & Design
Shapes the kid experience and tests every idea with real families first.
Engineering
Keeps the money math exact and the data locked down tight.
Learning & Content
Turns big money ideas into bite-size lessons kids love.
We're just getting started.
More lessons, more causes to give toward, and a future jar for growing money as your kids grow into their teens — plus everything else families using Monty keep asking for first.
A national mission, one Saturday at a time.
The Financial Consumer Agency of Canada's national strategy calls for making financial literacy accessible and building financial resilience early. Monty supports that mission the most concrete way we know how: one family, one Saturday, one habit at a time.
Monty is a financial education tool — not a bank, not a financial institution, and not financial advice.
Help us build the future of kids' money.
Start free and help your kids build real money habits, one Saturday at a time.