Web-based account manager Zefty helps kids understand spending and parents manage what they owe the little ones. Manually or automatically "deposit" money into kids' accounts, and they (and you) can see what they've saved. If your tyke's tech-proficient, they get their own login to enter what they withdrew and why, but parents get a super-user account as well. There's also "Zefty Checks" kids can request money with, and an allowance calculator that determines a reasonable pay rate. Zefty is free to use, requires a sign-up.