Inspired by how children learn arithmetic through everyday actions like adding coins or calculating change, this concept introduces structured, goal-based saving through interaction. The piggy bank functions as a mini banking system, internally organizing deposited coins to make savings visible and purposeful.

I am currently working with two conceptual approaches. The first is a goal-based model where a child sets a specific savings target and receives weekly guidance on how much to save. The second draws from the simplified 50–30–20 principle, where only a portion of the saved amount is accessible, encouraging discipline and delayed gratification. By combining saving with intention and planning, the piggy bank becomes an active learning tool rather than a passive container.

Concept & Rationale

Children are often told to save money, but rarely taught how to save wisely. Many accumulate coins without a clear purpose, leading to impulsive spending once the money is accessed. This pattern often continues into adulthood. I observed similar contrasts among colleagues on the same payroll—some struggled before month-end, while others managed comfortably. This raised a key question: why does saving feel intuitive for some, but not for others?

This reflection led to the idea of teaching children not just to save, but to save with intention.