Why a Kids Allowance App Matters
Financial literacy isn’t just for grown-ups. Today’s kids live in a digital world. They tap screens before they learn to write. So why not teach money smarts on their favourite device? A kids allowance app turns chores into lessons:
- Organisation: One spot for chores, rewards and family chat.
- Engagement: Kids get instant feedback. Gamification helps habits stick.
- Real-world skills: Budgeting, saving, goal-setting. All in a few taps.
Think about it. Sticky notes get lost. Cash disappears under couch cushions. A kids allowance app keeps everything neat, trackable and… fun.
Our Top Picks
We’ve tested dozens. These seven apps stand out for ease, features and real-life impact.
1. FamZoo: The Virtual Family Bank
Best for all ages.
Rating: App Store ⭐️4.6 / Google Play ⭐️4.7
Cost: From £4.99/month
FamZoo calls itself a “virtual family bank”. That’s spot on. You set tasks, assign points or pounds, and kids see their balance grow. Want to go old-school? Use IOU accounts to mirror pocket money in cash. You can even link prepaid cards for real-world spending practice. As your child grows, FamZoo adds budgets, loans and interest rules. Perfect for when they hit those “big kid” milestones.
2. Greenlight: Debit Card for Digital Natives
Best for debit cards.
Rating: App Store ⭐️4.8 / Google Play ⭐️4.1
Cost: From £3.99/month
Greenlight is a leading kids allowance app with a parent-controlled debit card. Instant transfers, spending alerts and location-based controls help you coach good habits. The basic plan covers up to five children. Upgrade to include savings round-ups or a simple investing platform. For kids who know “tap to pay” before “tap tap mop”, this is gold.
3. gohenry: Hands-On Money Management
Best for hands-on learning.
Rating: App Store ⭐️4.6 / Google Play ⭐️3.6
Cost: £4.99 per child/month
gohenry hands kids a debit card and a dashboard. Parents set chores and allowances. Kids track savings goals and manage their own spending. Borrowing? They can pay back funds through the app. It’s a mini bank with teaching wheels—ideal for your budding CEO or teen entrepreneur.
4. Homey: Perfect for Growing Households
Best for big families.
Rating: App Store ⭐️4.0 / Google Play ⭐️2.6
Cost: Free basic, £4.99/month unlimited
Homey blends chores and allowance in jars—think “spend”, “save” and “invest”. Basic Homey manages up to three accounts. Unlimited lets you add the entire clan. You can sync to your bank, set multi-level tasks and even reward non-monetary chores. A solid choice if you juggle half-a-dozen kids and pets.
5. OurHome: Chores Meet Organisation
Best for home organisation.
Rating: App Store ⭐️4.1 / Google Play ⭐️3.1
Cost: Free
OurHome isn’t just a kids allowance app—it’s a family hub. Shared calendar, grocery list and messaging keep everyone on the same page. Assign chores, set points and redeem rewards. No bank links required. Perfect if you want chores and allowance without the finance fuss.
6. iAllowance: Simple and Straightforward
Best for chore rewards.
Rating: App Store ⭐️4.4
Cost: £2.49 one-off
iAllowance is a no-subscription solution. Download, tap chores, log stars or pounds, and watch your child’s virtual bank fill up. A built-in time tracker helps manage screen time, too. It’s minimal, affordable and easy to set up in five minutes flat.
7. S’moresUp: All-in-One Family Hub
Best for Swiss-Army-style features.
Rating: App Store ⭐️4.3 / Google Play ⭐️3.8
Cost: Free basic, £4.49/month premium
S’moresUp packs chores, allowances, calendars and a family newsfeed into one app. Need proof of chore completion? Request a photo upload. Want to lock devices until tasks are done? Done. S’moresUp turns allowance into a social, interactive lesson.
How to Choose the Best Kids Allowance App
No two families are the same. Here’s how to pick the right kids allowance app:
- Cost versus value
Free might be enough. Paid tiers add perks—debit cards, investing, device locks. - Age appropriateness
Preschoolers need simple points and stars. Teens might want real cards. - Bank integration
If you want real-world spend, go for debit-linked apps. - Family size
Unlimited members? Look at Homey or S’moresUp premium. - Ease of use
Can your child navigate the app solo? Try a demo first.
Your perfect fit should feel intuitive. If it’s clunky, kids won’t stick around. If it’s too bare-bones, you’ll outgrow it.
Beyond the App: Money Parents Resources
Apps are powerful. But teaching moments happen everywhere. That’s where Money Parents comes in. We offer blog guides, printables and research-backed tips to deepen lessons.
Behind the scenes, we use Maggie’s AutoBlog, an AI-powered engine, to tailor fresh content for every age group. So when your child asks “Why save 10p?”, you’re ready with a relatable story or interactive game.
Combine a top-rated kids allowance app with Money Parents’ guides. You’ll get:
- Age-specific lesson plans
- Printable chore charts
- Saving challenges and worksheets
- Parental tips to talk money, not preach
Final Thoughts
A kids allowance app is more than a chore tracker. It’s a launchpad for lifelong money skills. Start small. Pick one app. Combine it with resources from Money Parents. Watch your child move from sticky notes to savvy saver.
Ready to give your family the toolkit they deserve?