This example starts on a Monday at month-end. Interest is due the next day, before another allowance. Papa funds any real payment outside the app.
See how a rate and time affect savings.
Interactive close-up · sample data Current app reference underneath
06 / Choose a goal
Give the savings a purpose.
Aanya creates a goal for a ₹500 cricket bat. Giving her savings a purpose makes the next choice more concrete.
Cricket bat · new goal₹0 of ₹500
Creating a goal does not move money into it. She chooses a contribution next.
Name a goal and set its target.
Interactive close-up · sample data Current app reference underneath
07 / Make the first contribution
That small win? Part of a bigger goal.
Aanya puts ₹100 from savings into her cricket bat goal. The progress bar reaches 20%.
Cricket bat · ₹100 contributed₹100 of ₹500 · 20%
₹0.50 stays in available savings. Money set aside in the goal no longer earns ordinary savings interest.
Connect a contribution to visible progress.
Interactive close-up · sample data Current app reference underneath
07 / Keep going · another day
Another choice. A little closer.
Next, she chooses ₹25 from her remaining Pocket, moves it into savings, then adds it to the same goal. Now she is a quarter of the way there.
Cricket bat · another ₹25₹125 of ₹500 · 25%
₹30 remains in Pocket and ₹0.50 in available savings. The total is still ₹155.50.
Practise patience, one choice at a time.
Interactive close-up · sample data Current app reference underneath
WATCHED IT? NOW TRY IT.
One small win. Your next move.
Tap Done, approve the request, then follow the money into savings and a goal. This guided demonstration uses sample data only.
NOW TRY A SMALL CHOICE
What would you set aside?
Aanya has ₹30 left in Pocket and ₹125 saved toward her ₹500 bat. Try another contribution. See what stays available to spend.
Optional illustration, not an app transaction. The real app moves money into savings first, then into the goal.
REAL LEARNING. FAMILY-RECORDED MONEY.
Kulraise records rewards, balances and interest. It is not a bank and does not move real money. Parents provide any actual pocket money or interest outside the app.
This story uses a ₹5 habit reward, ₹50 weekly allowance and a parent-set 6% annual savings rate. Auto-save and parent matching are off. These are example settings, not promised returns.
A FAMILY IN IT TOGETHER
More than a balance. A shared everyday.
Aanya’s small win belongs in a bigger family rhythm: meals to plan, dates to remember and people to talk to.
01 / MAKE ROOM FOR EACH OTHER
What’s for dinner? What’s coming up?
Keep meals and the family calendar close at hand. See approvals that need a parent’s attention.
02 / KEEP THE RIGHT PEOPLE CLOSE
Their own look. Your say in who they message.
Family members choose their 2D avatar. Parents decide who children can message.
Rao family · current app · provisional
LINKED FAMILIES
A wider circle. Chosen by you.
Parents can link families by invitation and choose which members participate. Shared members can join the linked-family chat.
Available when family linking is enabled. Linking does not give another family access to your private health records or money history.
For families tracking blood sugar, keep logged readings and food notes organised. Bring the recorded information together in a report for your care team.
The report summarises what the family entered. It does not diagnose a condition or recommend treatment.
Logged by the familyFICTIONAL SAMPLE · NOT MEDICAL ADVICEThe same records, organised for review
START SMALL. MAKE IT YOURS.
One family. One habit to begin.
01
Create your family
Add your child and set up their own way to sign in.
02
Agree on a habit
Choose a task together. Decide whether it needs approval and whether it earns a reward.
03
Choose your money rules
Set regular pocket money separately, then help your child pick a savings goal.
Yes. One parent and one child can use the Free plan. With a friend’s code, Family or Plus is free for your first year — no card required. See the current plans and limits.
Does Kulraise hold or transfer real money?+
No. It records family balances for learning and organisation. Parents arrange any actual pocket money or interest outside Kulraise.
Does approving a habit pay its reward immediately?+
Not by itself. Approval makes the reward eligible for payout. It reaches Pocket on the configured payout schedule, or when a parent chooses Pay out now.
Is pocket money the same as a habit reward?+
No. A habit reward is tied to a completed task. A regular allowance is a separate amount recorded automatically on its weekly or monthly schedule.
Who sets and pays savings interest?+
The parent sets the annual rate. When a monthly payment is due, Kulraise records available savings × annual rate ÷ 12, rounded to two decimal places. Any real payment is funded by the parent outside the app. Money already allocated to a goal is excluded from ordinary savings interest.
What can a linked family see?+
Parents choose which members to share on each family link. Shared members can participate in that link’s chat, subject to its permissions. A link does not open your private family records to everyone.
What does the health report do?+
For a child with blood-sugar tracking enabled, it organises logged readings and related records over 14, 30 or 90 days. You can review or print them for your care team. It does not provide diagnosis or treatment advice.
Are the people and amounts on this page real?+
No. The Rao family and all records are fictional. Screenshots are fictional familys of the current app. Interactive close-ups are simplified, labelled reconstructions of supported actions. Rates, balances and settings are examples, not promised results.
THE NEXT SMALL WIN IS THEIRS.
A habit today. Something to build on.
Give your child a place to practise. Give your family a way to encourage them.