Name: Zenko: A Financial Literacy Playbook for Children
Author: Arya

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This site is the free interactive companion to Zenko — A Financial Literacy Playbook for Children. Each chapter below matches a chapter in the book. Your child earns points and stars by genuinely doing the activities — there's no way to farm points by repeating the same answer. The best learning happens when you sit together for 10 minutes and talk about it; here's what each chapter teaches and a question to ask afterwards:

1 · Barter Game

Why trade exists and why money was invented.

Ask: "What would be hard about a world with no money?"

2 · Needs vs Wants

The single most important spending filter.

Ask: "What's one thing you wanted last month that you don't want anymore?"

3 · Three Jars

Spend / Save / Share allocation — the habit behind every budget.

Ask: "If you got ₹100 today, how would you fill your three jars?"

4 · Skill Market

Money comes from work and skills, not just pocket money.

Ask: "What's one skill you have that could help someone?"

5 · 24-Hour Rule

Impulse control — the site runs a real 24-hour countdown before your child decides.

Ask: "Did you still want it the next day?"

6 · Interest

Saved money grows — the seed of compounding.

Ask: "Why does the bank pay you for keeping money there?"

7 · Budget Builder

Planning income vs expenses and seeing what remains.

Ask: "What happens if expenses are bigger than income?"

8 · Profit

How sellers earn: selling price minus cost price.

Ask: "If you sold lemonade, what would your costs be?"

9 · Money Flow

The earn → spend cycle that runs the whole economy.

Ask: "Where does the shopkeeper's money go next?"

10 · UPI Safety

Digital payment safety — scams, PINs, and suspicious links.

Ask: "What would you do if a message said you won a prize?"

When a chapter is done, generate a certificate together in the 📜 tab — kids love putting it on the fridge. The full playbook with all stories and worksheets is on Amazon, and you'll find daily activity ideas at @kid.zenko on Instagram. Questions, feedback or school/bulk enquiries? Write to the author at adityaaryahere@gmail.com.

🗺️ Your Learning Journey — earn a ⭐ for every chapter

🔄 Barter Game

Learn how trading works! Barter means exchanging items without using money. Select items to trade and see what you can get!

Your Inventory

Trade with Friends

Trade Log

No trades yet. Select an item and click on a friend to trade!

🎯 Needs vs Wants

Learn the difference between what you NEED (essential) and what you WANT (nice to have). Tap an item, then tap the correct box! Earn 5 points for every correct sort.

Items to Sort

Needs (Essential for life)

Tap an item above, then tap here if it's a Need

Wants (Nice to have)

Tap an item above, then tap here if it's a Want

🏺 Three Jars Money System

Divide your money into three jars: SPEND (what you use), SAVE (for the future), and SHARE (to help others). Move the sliders and watch the jars fill up! The recommended split is 50-30-20.

Total Money Received: ₹

SPEND JAR

₹50

50% for daily needs

SAVE JAR

₹30

30% for the future

SHARE JAR

₹20

20% to help others

💼 Skill Market

Sell your skills to earn money! Offer services to your family and neighbors.

Your Skills & Earnings

Add a New Skill:

Earning Tracker

No earnings yet. Add a skill and log your work!

⏰ The 24-Hour Rule

Before buying something you really want, wait 24 hours. This helps you avoid impulsive purchases!

Item You Want to Buy: Planned purchase date (optional):

Your Wishlist

Your wishlist is empty. Add items to track them!

📈 Interest Calculator

Learn how money grows when you save it! Banks give you interest for keeping money safe.

Principal Amount (₹):

Interest Rate (%):

Years:

💰 Budget Builder

Create a monthly budget by planning where your money will go!

Monthly Income (₹):

Add Expenses

Budget Breakdown

Add expenses to create your budget!

📊 Profit Calculator

Learn how to calculate profit! Profit = Selling Price - Cost Price.

Cost Price (₹):

Selling Price (₹):

Quantity:

💸 Money Flow Map

Understand how money flows through the economy. Track money from earning to spending!

Step 1: How You Earn

Choose how you earn money:

💼

Job

🎁

Pocket Money

🏪

Business

Step 2: Where You Spend

Choose where your money goes:

🍔

Food

🎮

Entertainment

📚

Education

Money Flow Summary

Select earning and spending categories above!

🔐 UPI Safety Challenge

Learn how to stay safe when making digital payments! Choose the safe option.

Scenario: Loading...

Loading scenario...

🏆 Certificate Generator

Create your personalized completion certificate!

Certificate Details

Child's Name:

Parent/Guardian Name:

Chapter Completed:

Child's Photo (Optional):

Signature

🏆 Achievements & Leaderboard

Complete quizzes and challenges to earn points, unlock badges, and climb the leaderboard!

Your Badges

How to Earn Points

Correct Quiz Answer +10 pts

Complete All Quizzes in a Chapter +50 pts

Unlock a Badge +25 pts

Reach New Rank Bonus

🏅 Practice League

The 🤖 players are friendly practice characters — can you beat their scores?

🔄 Start Fresh

Erases ALL points, badges, stars and game progress on this device, so you can play the whole journey again from zero. Your name is kept.

Your Rank Progress

Novice 0 / 100 pts

Zenko