Free four money jars worksheet for kids
A free printable worksheet that shows kids how to split their allowance into four jars, Grow, Dream, Spend and Give, with a whole-dollar chart for ages 4 to 10 and percent practice for ages 11 to 14.
Ages 4 to 14 · 2 pages · US Letter · Free, no sign-up
Get all six worksheets in one file
We'll send you all six in one file, plus a few short notes on using them with your kids.
A lot of parents like the idea of money jars and aren't sure how much should go in each one. This free worksheet answers that for your child's age, and it lets your child do the splitting themselves, which is where the learning happens.
What's on the four jars worksheet?
Page 1 shows the four jars and what each one is for. Your child writes this week's allowance at the top and fills in how much goes into each jar.
- Grow gets 15%. It's saved for after your child turns 18.
- Dream gets 25%. It's for one thing your child picks and saves up for.
- Spend gets 50%. It's your child's own money to use.
- Give gets 10%. It's for helping others, and your child helps choose where it goes.
Below the jars is a chart for ages 4 to 10. It shows the allowance Calm Money Kids suggests, which is $1 a week for each year of age, split into whole dollars so real jars never need coins.
Page 2 is for ages 11 to 14. Your child works out each jar with exact percents and cents, practices with three allowances, and plans a whole month of Spend money. The answer key is at the bottom.
How to use it
- Find your child's age on the chart together. Younger kids can copy the numbers into the jars, and that's enough, because the habit matters more than the math at this age.
- Use real money if you can. Kids learn more from watching dollars move into four places than from writing numbers alone.
- Do it on the same day every week. Calm Money Kids calls this Family Money Day, and the routine is what turns the four jars into a habit.
The 15, 25, 50 and 10 split is the one Calm Money Kids suggests, and you can change it to fit your family. You can read more about the jar method and why each jar gets its share.
Common questions about money jars for kids
How is this different from save, spend and give jars?
Most jar systems use three jars. Calm Money Kids adds a fourth, the Grow jar, so kids learn the difference between saving for something soon and money that grows for later.
What if my child's allowance isn't on the chart?
Use page 2 and the percents, or let the app do it. Calm Money Kids works out every jar for any amount.
Do I need real jars?
No, but they help a lot for kids under 8. Any four clear jars or boxes work, and you can label them with the jar names.