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29 October 2025 / PROJECTS
I Built an App to Encourage My Kids to Invest -- Just One HTML File
"What comes with the milk, leaves with the soul"
-- Russian proverb.
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Access the app:
Click here to open and install D-i[DEL:n:DEL]vestments
This is how the icon will appear on your phone
This is how the icon will appear on your phone
One thing that school doesn't teach you (not even high school) is how
to manage your personal finances.
As my eldest son's birthday was approaching, we suggested that
instead of asking for physical gifts, he ask for their equivalent in
money. That way, he gathered a decent amount of capital for his first
investment adventure.
I explained to my kids that investing is like having a magic box that
generates more money over time. To make it more visual and
interactive, I decided to create a small app where they could see
their investment grow day by day.
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From Idea to App
My first idea was to build a physical piggy bank with a display,
showing the accumulated amount. However, that mixed up the concept of
saving with investing, and also required buying extra hardware.
So I looked for a quicker, cheaper way: revive an old smartphone and
create a simple app using plain HTML.
The result was D-i[DEL:n:DEL]vestments, a mix between Diversions and
Investments.
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How It Works
The app is essentially a single HTML file that installs on the phone
as a PWA (Progressive Web App).
The phone is attached to the fridge and works as a panel or dashboard
where my kids can see their money growing each day.
I act as their investment agent, assigning realistic interest rates --
high enough to keep them motivated, but moderate enough to reflect
how the real world works.
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Configuration Screen
The app includes a screen where you can enter:
* The kids' names
* The invested amount
* The interest rate
* The start date
Configuration screen
Configuration screen
With that data, the app automatically calculates and displays:
* Daily gain
* Weekly gain
* Monthly gain
* Total updated balance
D-iNvestments dashboard screen
Dashboard view installed on the fridge showing daily growth.
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Materials Used
* An old smartphone
* A suction mount to attach it to the fridge
Affordable phone mount
Affordable phone mount - Price on AliExpress: $0.90
* The D-iNvestments app, in HTML format
Phone installed on the fridge
D-iNvestments showing daily capital growth.
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Installation
The process is as simple as opening the link from a smartphone and
tapping "Install" when prompted by the browser.
From then on, it behaves like a native app.
Access the app:
Click here to open and install D-i[DEL:n:DEL]vestments
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Final Reflection
The goal wasn't just to teach my kids the value of money, but to show
them visually how investment and time work as allies.
Each day, as they watch their small fund grow, they grasp the magic
of compound interest -- and that, more than any gift, is a lesson I
hope will stay with them for life.
Want to comment or improve the app? Contact me at:
@roberdam
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I Built an App to Encourage My Kids to Invest -- Just One HTML File
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