All gamesPLAYMONEY GROW A LITTLE WISDOM

GOOD THINGS TAKE A LITTLE TIME

Compound Garden

No clock. Room to grow.
GARDEN 1 OF 10First little sprouts
YEAR0 / 3
HYPOTHETICAL RATE10% per year
COLLECT & KEEP

Simple interest

Purple flowers, newly planted
$100Planted + basket$0 interest in basket
REPLANT & GROW

Compound interest

Golden flowers, newly planted
$100Growing balance$0 interest stays planted
A LITTLE SEED. A BIG IDEA.

Let your money
grow more money.

Plant two matching gardens. Collect interest in one. Replant it in the other. Discover the difference.

Guided first garden · tap to play · no timer
1 Plant your seeds2 Water for a year3 Collect & replant
THE LITTLE LESSON

Same start. Different futures.

Each garden starts with $100 and the same 10% annual rate. The only difference is what happens to the interest.

GROWING TOWARDS$133.10

Compound balance after 3 years

0 of 3 years grown

NZ dollars · annual interest, rounded to cents · illustrative rates, not investment promises.
No tax, fees or changing rates. Plants are a visual metaphor, not a financial scale.

WELCOME, GARDENER

Three steps to a flourishing garden

  1. Plant your seeds. Both plots start with the same money and annual interest rate.
  2. Water to grow a year. This advances pretend time. It doesn’t spend or add money.
  3. Tap both glowing rewards. Purple interest goes into a basket. Golden interest is replanted and earns interest next year.
Try this in the first garden

$100 at 10% earns $10 in year one. Replant it and year two earns 10% of $110: $11. The simple-interest plot earns another $10. That extra $1 is interest on interest.

Later gardens add equal savings to both plots at the end of each year, after interest. Your final report separates your deposits from interest earned.