Hello!
Hello!
Hello!
The complete platform designed to help you raise financially fluent and resilient kids, ready for whatever comes next
The complete platform designed to help you raise financially fluent and resilient kids, ready for whatever comes next
The complete platform designed to help you raise financially fluent and resilient kids, ready for whatever comes next
The Problem
The Problem
The Problem
They learn history and algebra, but when it comes to managing money, creating value, and thinking like an entrepreneur, most kids are left unprepared. A recent global study found that **less than 12% of students** have basic financial literacy skills. In a world of digital currency and gig economies, this isn't just a gap. it's a disadvantage.
They learn history and algebra, but when it comes to managing money, creating value, and thinking like an entrepreneur, most kids are left unprepared. A recent global study found that **less than 12% of students** have basic financial literacy skills. In a world of digital currency and gig economies, this isn't just a gap. it's a disadvantage.
They learn history and algebra, but when it comes to managing money, creating value, and thinking like an entrepreneur, most kids are left unprepared. A recent global study found that **less than 12% of students** have basic financial literacy skills. In a world of digital currency and gig economies, this isn't just a gap. it's a disadvantage.
A landmark meta-analysis from Stanford University, reviewing 76 controlled studies, proved that financial education has a direct and meaningful impact on real-world money habits. The effect is as powerful as learning core math.
A landmark study by Benjamin Bloom proved that one-on-one tutoring turns an average student into a top 2% performer. Tobi's AI Tutor is designed to solve this "2 Sigma Problem" at scale.
Source:
A landmark meta-analysis from Stanford University, reviewing 76 controlled studies, proved that financial education has a direct and meaningful impact on real-world money habits. The effect is as powerful as learning core math.
A landmark study by Benjamin Bloom proved that one-on-one tutoring turns an average student into a top 2% performer. Tobi's AI Tutor is designed to solve this "2 Sigma Problem" at scale.
Source:
A landmark meta-analysis from Stanford University, reviewing 76 controlled studies, proved that financial education has a direct and meaningful impact on real-world money habits. The effect is as powerful as learning core math.
A landmark study by Benjamin Bloom proved that one-on-one tutoring turns an average student into a top 2% performer. Tobi's AI Tutor is designed to solve this "2 Sigma Problem" at scale.
Source:
Turn daily chores and learning goals into rewarding achievements. From setting the table to finishing homework, kids earn Tobi Tokens, creating a direct link between effort, value, and reward. This hard-codes a foundational work ethic.
Turn daily chores and learning goals into rewarding achievements. From setting the table to finishing homework, kids earn Tobi Tokens, creating a direct link between effort, value, and reward. This hard-codes a foundational work ethic.
Turn daily chores and learning goals into rewarding achievements. From setting the table to finishing homework, kids earn Tobi Tokens, creating a direct link between effort, value, and reward. This hard-codes a foundational work ethic.
Kids learn the power of delayed gratification by saving for real goals. In the Tobi Vault, their tokens grow with compound interest, visually teaching them how patience and planning builds wealth over time—the most crucial lesson for future financial freedom.
Kids learn the power of delayed gratification by saving for real goals. In the Tobi Vault, their tokens grow with compound interest, visually teaching them how patience and planning builds wealth over time—the most crucial lesson for future financial freedom.
Kids learn the power of delayed gratification by saving for real goals. In the Tobi Vault, their tokens grow with compound interest, visually teaching them how patience and planning builds wealth over time—the most crucial lesson for future financial freedom.
The AI Tutor provides unlimited, personalized practice to solidify classroom learning. It identifies and fills knowledge gaps with targeted feedback, helping your child master concepts without fear of asking "stupid" questions in class.
The AI Tutor provides unlimited, personalized practice to solidify classroom learning. It identifies and fills knowledge gaps with targeted feedback, helping your child master concepts without fear of asking "stupid" questions in class.
The AI Tutor provides unlimited, personalized practice to solidify classroom learning. It identifies and fills knowledge gaps with targeted feedback, helping your child master concepts without fear of asking "stupid" questions in class.
Children can use their earned tokens to launch mini-ventures, from a t-shirt startup to a creative project. They learn firsthand about budgeting, marketing, and profit, transforming abstract skills into tangible, confidence-boosting accomplishments.
Children can use their earned tokens to launch mini-ventures, from a t-shirt startup to a creative project. They learn firsthand about budgeting, marketing, and profit, transforming abstract skills into tangible, confidence-boosting accomplishments.
Children can use their earned tokens to launch mini-ventures, from a t-shirt startup to a creative project. They learn firsthand about budgeting, marketing, and profit, transforming abstract skills into tangible, confidence-boosting accomplishments.
Tobi has been a game-changer. Emma went from passively watching videos to actively designing t-shirts for our family. She just made her first sale to her uncle and her confidence is through the roof. She's not just learning to earn; she's learning she can create.
Mother of Emma (age 9)
"The consistency bonus in Tobi is brilliant. The token reward compounds each day he completes his tasks, which taught him the real-world power of discipline more effectively than any lecture could. But it's the 'Teach to Earn' feature that's truly amazing. He is now creating his own math explainer videos, and his confidence and mastery of the subject have soared. He's not just earning; he's building character."
Father of Leo (age 11)
"I always knew my daughter Mia was creative, but I never imagined she'd be running her own online store before she started high school. With Tobi's marketplace, she used a drag-and-drop tool to build a shop for her custom 3D-printed keychains. A real manufacturing partner handles all the production—it's incredible. Last week, she was excitedly telling me about her 'ad campaign ROI' because she used her earned tokens to promote her designs to other kids in the app. She's learning about pricing and marketing in the most practical way possible."
Mother of Mia (age 12)
Tobi has been a game-changer. Emma went from passively watching videos to actively designing t-shirts for our family. She just made her first sale to her uncle and her confidence is through the roof. She's not just learning to earn; she's learning she can create.
Mother of Emma (age 9)
"The consistency bonus in Tobi is brilliant. The token reward compounds each day he completes his tasks, which taught him the real-world power of discipline more effectively than any lecture could. But it's the 'Teach to Earn' feature that's truly amazing. He is now creating his own math explainer videos, and his confidence and mastery of the subject have soared. He's not just earning; he's building character."
Father of Leo (age 11)
"I always knew my daughter Mia was creative, but I never imagined she'd be running her own online store before she started high school. With Tobi's marketplace, she used a drag-and-drop tool to build a shop for her custom 3D-printed keychains. A real manufacturing partner handles all the production—it's incredible. Last week, she was excitedly telling me about her 'ad campaign ROI' because she used her earned tokens to promote her designs to other kids in the app. She's learning about pricing and marketing in the most practical way possible."
Mother of Mia (age 12)
Tobi has been a game-changer. Emma went from passively watching videos to actively designing t-shirts for our family. She just made her first sale to her uncle and her confidence is through the roof. She's not just learning to earn; she's learning she can create.
Mother of Emma (age 9)
"The consistency bonus in Tobi is brilliant. The token reward compounds each day he completes his tasks, which taught him the real-world power of discipline more effectively than any lecture could. But it's the 'Teach to Earn' feature that's truly amazing. He is now creating his own math explainer videos, and his confidence and mastery of the subject have soared. He's not just earning; he's building character."
Father of Leo (age 11)
"I always knew my daughter Mia was creative, but I never imagined she'd be running her own online store before she started high school. With Tobi's marketplace, she used a drag-and-drop tool to build a shop for her custom 3D-printed keychains. A real manufacturing partner handles all the production—it's incredible. Last week, she was excitedly telling me about her 'ad campaign ROI' because she used her earned tokens to promote her designs to other kids in the app. She's learning about pricing and marketing in the most practical way possible."
Mother of Mia (age 12)
From Tobi
From Tobi
From Tobi
The world is changing faster than the school curriculum. In this space, we share our research, expert insights, and practical strategies for parents. Explore our articles to learn how you can build the financial fluency and academic resilience your child needs to thrive in tomorrow's world.
The world is changing faster than the school curriculum. In this space, we share our research, expert insights, and practical strategies for parents. Explore our articles to learn how you can build the financial fluency and academic resilience your child needs to thrive in tomorrow's world.
The world is changing faster than the school curriculum. In this space, we share our research, expert insights, and practical strategies for parents. Explore our articles to learn how you can build the financial fluency and academic resilience your child needs to thrive in tomorrow's world.
While schools focus on memorization, artificial intelligence is mastering those very skills. This leaves a critical gap in our children's education, forcing parents to step in and cultivate the higher-order thinking necessary to thrive in the future.
While schools focus on memorization, artificial intelligence is mastering those very skills. This leaves a critical gap in our children's education, forcing parents to step in and cultivate the higher-order thinking necessary to thrive in the future.
While schools focus on memorization, artificial intelligence is mastering those very skills. This leaves a critical gap in our children's education, forcing parents to step in and cultivate the higher-order thinking necessary to thrive in the future.
When Schools Fail the Real World: Sending Kids "Naked" into the Financial Jungle
When Schools Fail the Real World: Sending Kids "Naked" into the Financial Jungle
When Schools Fail the Real World: Sending Kids "Naked" into the Financial Jungle
Skills
Skills
Skills
01.
Kids master earning, spending, saving, and investing through a hands-on token economy. They learn to make smart money decisions instinctively, building a foundation for lifelong wealth and avoiding common debt traps.
02.
Every choice presents a trade-off. The Tobi system teaches children to analyze options, understand opportunity cost, and think strategically about resources. They learn to approach challenges with a structured, analytical mindset.
03.
From proposing household projects to launching products in the Tobi Marketplace, kids learn that creativity has tangible value. The platform encourages them to move beyond imagination to execution, turning innovative ideas into real-world outcomes.
04.
Success is built through daily action. With streak meters and escalating rewards, Tobi hard-codes the discipline of consistency. Children develop grit and learn that small, repeated efforts compound into major achievements over time.
05.
Tobi is a safe launchpad for young innovators. Children practice negotiating, managing projects, and taking calculated risks—like launching a T-shirt startup funded by parent loans. They develop an instinct for identifying opportunities and creating value.
06.
Using the Learn-Structure-Teach-Earn (L-S-T-E) model, kids are rewarded for teaching concepts to others. This process builds deep subject mastery, empathy, and the ability to explain complex ideas clearly—a critical leadership skill for the future.
01.
Kids master earning, spending, saving, and investing through a hands-on token economy. They learn to make smart money decisions instinctively, building a foundation for lifelong wealth and avoiding common debt traps.
02.
Every choice presents a trade-off. The Tobi system teaches children to analyze options, understand opportunity cost, and think strategically about resources. They learn to approach challenges with a structured, analytical mindset.
03.
From proposing household projects to launching products in the Tobi Marketplace, kids learn that creativity has tangible value. The platform encourages them to move beyond imagination to execution, turning innovative ideas into real-world outcomes.
04.
Success is built through daily action. With streak meters and escalating rewards, Tobi hard-codes the discipline of consistency. Children develop grit and learn that small, repeated efforts compound into major achievements over time.
05.
Tobi is a safe launchpad for young innovators. Children practice negotiating, managing projects, and taking calculated risks—like launching a T-shirt startup funded by parent loans. They develop an instinct for identifying opportunities and creating value.
06.
Using the Learn-Structure-Teach-Earn (L-S-T-E) model, kids are rewarded for teaching concepts to others. This process builds deep subject mastery, empathy, and the ability to explain complex ideas clearly—a critical leadership skill for the future.
01.
Kids master earning, spending, saving, and investing through a hands-on token economy. They learn to make smart money decisions instinctively, building a foundation for lifelong wealth and avoiding common debt traps.
02.
Every choice presents a trade-off. The Tobi system teaches children to analyze options, understand opportunity cost, and think strategically about resources. They learn to approach challenges with a structured, analytical mindset.
03.
From proposing household projects to launching products in the Tobi Marketplace, kids learn that creativity has tangible value. The platform encourages them to move beyond imagination to execution, turning innovative ideas into real-world outcomes.
04.
Success is built through daily action. With streak meters and escalating rewards, Tobi hard-codes the discipline of consistency. Children develop grit and learn that small, repeated efforts compound into major achievements over time.
05.
Tobi is a safe launchpad for young innovators. Children practice negotiating, managing projects, and taking calculated risks—like launching a T-shirt startup funded by parent loans. They develop an instinct for identifying opportunities and creating value.
06.
Using the Learn-Structure-Teach-Earn (L-S-T-E) model, kids are rewarded for teaching concepts to others. This process builds deep subject mastery, empathy, and the ability to explain complex ideas clearly—a critical leadership skill for the future.
Kids on a Daily Streak
Families Building a Future
Kid-Run Businesses Launched
Years of Costly Mistakes, Avoided
My Plans
My Plans
My Plans
FREE
A great start to teach the basics of earning and spending in a fun, tangible way.
Manage 1 Child Profile
Basic Earning & Spending
Daily Task & Chore System
Standard Progress Reports
Personality Analysis
FREE
A great start to teach the basics of earning and spending in a fun, tangible way.
Manage 1 Child Profile
Basic Earning & Spending
Daily Task & Chore System
Standard Progress Reports
Personality Analysis
FREE
A great start to teach the basics of earning and spending in a fun, tangible way.
Manage 1 Child Profile
Basic Earning & Spending
Daily Task & Chore System
Standard Progress Reports
Personality Analysis
Premium
The complete toolkit to build deep financial literacy and unlock your child's academic potential.
Up to 5 Child Profiles
Full Token Economy (Save, Invest, Borrow)
Adaptive AI Tutor
Advanced Parent Dashboard & Controls
Creative Marketplace Access
Learner DNA & Personality Analysis
Premium
The complete toolkit to build deep financial literacy and unlock your child's academic potential.
Up to 5 Child Profiles
Full Token Economy (Save, Invest, Borrow)
Adaptive AI Tutor
Advanced Parent Dashboard & Controls
Creative Marketplace Access
Learner DNA & Personality Analysis
Premium
The complete toolkit to build deep financial literacy and unlock your child's academic potential.
Up to 5 Child Profiles
Full Token Economy (Save, Invest, Borrow)
Adaptive AI Tutor
Advanced Parent Dashboard & Controls
Creative Marketplace Access
Learner DNA & Personality Analysis
Tobi AI is a complete system designed to build two critical skills that schools often miss: financial literacy and deep academic mastery. It combines a real-world financial simulator for your home (The Token Economy) with a personalized AI Tutor that addresses knowledge gaps. Think of it as an "operating system for growing up," turning everyday decisions into valuable, hands-on learning experiences.
A typical allowance teaches kids how to spend passively. The Tobi Token Economy is an active learning system that teaches them how the world really works. It shifts learning from abstract to experiential by directly connecting effort with reward. Through the platform, children don't just get money; they earn, save for goals, budget, and even learn about concepts like interest, borrowing, and opportunity cost in a safe, controlled environment.
We designed Tobi AI to solve this exact problem. The platform functions as a "command center" that inspires real-world action, not endless scrolling. The token economy is built around offline activities: daily chores, creative projects, academic goals, and even starting mini-businesses like designing t-shirts. The AI Tutor component makes the screen time they do have smarter and more productive, filling the knowledge gaps that cause academic frustration.
Tobi AI is designed to reduce your workload and end the "nightly money nag". After a simple initial setup where you define tasks and rewards, our AI automation handles about 80% of the daily management, including ledger updates, progress reports, and smart nudges. This frees you to focus on coaching and mentoring your child, not being a bookkeeper. Our data shows this approach can drop money-related arguments by over 40%.
The platform is designed for children aged 4–12 and grows with them. We use a tiered system that introduces financial concepts appropriate for each developmental stage: Ages 4–6: Focus on playful earning, spending, and simple saving goals. Ages 7–9: Introduce budgeting, simple interest, and making trade-offs. Ages 10–12: Explore more advanced concepts like investing, compound interest, borrowing, and opportunity cost.
Tobi AI is a complete system designed to build two critical skills that schools often miss: financial literacy and deep academic mastery. It combines a real-world financial simulator for your home (The Token Economy) with a personalized AI Tutor that addresses knowledge gaps. Think of it as an "operating system for growing up," turning everyday decisions into valuable, hands-on learning experiences.
A typical allowance teaches kids how to spend passively. The Tobi Token Economy is an active learning system that teaches them how the world really works. It shifts learning from abstract to experiential by directly connecting effort with reward. Through the platform, children don't just get money; they earn, save for goals, budget, and even learn about concepts like interest, borrowing, and opportunity cost in a safe, controlled environment.
We designed Tobi AI to solve this exact problem. The platform functions as a "command center" that inspires real-world action, not endless scrolling. The token economy is built around offline activities: daily chores, creative projects, academic goals, and even starting mini-businesses like designing t-shirts. The AI Tutor component makes the screen time they do have smarter and more productive, filling the knowledge gaps that cause academic frustration.
Tobi AI is designed to reduce your workload and end the "nightly money nag". After a simple initial setup where you define tasks and rewards, our AI automation handles about 80% of the daily management, including ledger updates, progress reports, and smart nudges. This frees you to focus on coaching and mentoring your child, not being a bookkeeper. Our data shows this approach can drop money-related arguments by over 40%.
The platform is designed for children aged 4–12 and grows with them. We use a tiered system that introduces financial concepts appropriate for each developmental stage: Ages 4–6: Focus on playful earning, spending, and simple saving goals. Ages 7–9: Introduce budgeting, simple interest, and making trade-offs. Ages 10–12: Explore more advanced concepts like investing, compound interest, borrowing, and opportunity cost.
Building Their Future
Join the waitlist for exclusive early access and a special founder's discount when we launch.
Building Their Future
Join the waitlist for exclusive early access and a special founder's discount when we launch.
Building Their Future
Join the waitlist for exclusive early access and a special founder's discount when we launch.