Free Printable Worksheets

Kids Savings Trackers

Three trackers designed for three age groups. Pick the right one, print it out, and put it on the fridge. The habit starts here.

See progress, save more

Cambridge research shows money habits form by age 7. A physical tracker makes saving tangible, not abstract.

The “head start” effect

Writing their name and goal counts as step one. In a classic loyalty-card study, cards that came with 2 stamps already filled were finished far more often (34% vs. 19%).

Momentum builds motivation

People speed up as a goal gets close, a pattern researchers call the goal-gradient effect. Coloring in each step keeps the finish line in view.

Ages 5–7

Little Savers

A colorable savings jar with sticker rewards. Simple, visual, fridge-ready.

Colorable jar (10 sections)
Draw your goal
Sticker reward spots
Simple savings log
Fun money fact

My Savings Jar

Color in one section each time you save!

My Goal

I'm saving for:

I need: $

Draw it here:

Sticker Rewards

First save!

Halfway!

Almost!

I did it!

DID YOU KNOW?

The name “piggy bank” comes from “pygg,” a type of clay people used to make money jars hundreds of years ago.

100%

90%

80%

70%

60%

50%HALFWAY!

40%

30%

20%

10%START!

My Saves

Date	Amount
	$
	$
	$
	$
	$
	$

steadywealth.app/tools/kids-savings-tracker

LITTLE SAVERS • Ages 5–7

Ages 8–11

Goal Getters

A rocket-ship mission tracker with a savings log, weekly streaks, and earning ideas.

Rocket launch tracker
Savings log
12-week streak boxes
Milestone badges
Penny doubling fact
Ways to earn checklist

My Savings Mission

Track your progress from launch to landing!

GOAL GETTERS • Ages 8–11

My Goal

I Need

Start Date

Target Date

GOAL REACHED!

100%

Goal Crusher

90%

80%

Savings Champ

70%

60%

50%

Money Master

40%

30%

Super Saver

20%

10%

LAUNCH!

Weekly Streak

Check off each week you save!

Savings Log

Earned	Saved	Total So Far
$	$	$
$	$	$
$	$	$
$	$	$
$	$	$
$	$	$
$	$	$
$	$	$
$	$	$
$	$	$
$	$	$
$	$	$

MIND-BLOWING MONEY FACT

Start with a single penny and double it every day. On Day 7 you have 64 cents. On Day 15, $163. On Day 30, $5,368,709. That's compound growth: small amounts, given time, become enormous.

IDEAS: HOW I'LL EARN IT

Chores at home

Lemonade stand

Dog walking

Yard work

Birthday money

Sell old toys/games

Babysitting

My idea: ________

steadywealth.app/tools/kids-savings-tracker

“Warren Buffett bought his first stock at age 11.”

Ages 12–14

Money Moves

A real transaction log with compound growth math, the Rule of 72, and stories of kids who started businesses.

Transaction log (in/out/balance)
The Rule of 72
Compound growth table
Opportunity cost exercise
Kids who started early
Fill-in savings plan

Money Moves

Your savings goal + the math behind wealth

MONEY MOVES • Ages 12–14

The Goal

Saving for:

Total needed: $

Start:

Target:

My Plan (fill in the math)

I can save $ per week
That's $ per month
I'll reach my goal in weeks

Progress

100%

DONE

90%

80%

80%: final stretch

70%

60%

50%

50%: halfway

40%

30%

30%: momentum

20%

10%

THE RULE OF 72

Divide 72 by the yearly return to see about how many years your money takes to double.

At 6%: doubles in about 12 years

At 8%: doubles in about 9 years

At 10%: doubles in about 7 years

$100 at age 12, at 8%, becomes $200 at 21, $400 at 30, $800 at 39.

KIDS WHO STARTED EARLY

Warren Buffett sold gum door-to-door at 6 and bought his first stock at 11
Mikaila Ulmer started Me & the Bees Lemonade at 4 and got it into Whole Foods
Moziah Bridges started Mo's Bows, a bow tie company, at 9
Cory Nieves started a cookie company at 6 to help buy his mom a car

Transaction Log

In	Out	Balance
$	$	$
$	$	$
$	$	$
$	$	$
$	$	$
$	$	$
$	$	$
$	$	$
$	$	$
$	$	$
$	$	$
$	$	$

WHAT IF YOU KEPT GOING? ($10/MONTH AT 8% A YEAR)

5 yrs

$735

you put in $600

10 yrs

$1,829

you put in $1,200

20 yrs

$5,890

you put in $2,400

30 yrs

$14,904

you put in $3,600

40 yrs

$34,910

you put in $4,800

After 40 years you put in $4,800 and growth added $30,110. Your money did 6x the work you did.

THE TRADE-OFF (OPPORTUNITY COST)

To reach my goal, I'm choosing to skip:

Every dollar has a job. You're choosing to make yours work toward something bigger.

steadywealth.app/tools/kids-savings-tracker

“If you had $1 billion and spent $1,000 every day, it would take 2,740 years to run out.”

Have kids in more than one age group?

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