An allowance tracker that never touches your bank.
Most allowance apps want a bank link, a debit card, and a kid sign-up before you can hand out a single dollar. KidCash skips every step. It’s a private ledger on your iPhone — you decide when, how, and whether real money ever moves.
Why no bank link
The default isn’t the right default
A bank-linked kid account sounds convenient until you read what it actually unlocks for the app, the partner bank, and the marketing pipeline behind both.
Nothing to breach
No bank credentials, no routing numbers, no balances sitting on someone else’s server. The thing that does not exist cannot leak.
Nothing to KYC
Kid accounts require identity verification. That means you uploading a photo of your driver’s license to a third-party fintech, just so your eight-year-old can earn a weekly dollar.
Nothing to market against
When the bank is the business model, your family becomes the lead-gen funnel. We sell an app one time, then leave you alone.
How it works
A ledger, not a wallet
KidCash tracks every dollar your kid is owed, owes, or has saved. The money itself lives wherever it already does, in your wallet or your checking account, until you decide to hand it over.
Add each kid in 10 seconds
Name, optional photo, starting balance. No email, no phone number, no third-party signup. Repeat for every kid.
Set the allowance once
Pick an amount and a rhythm — daily, weekly, biweekly or monthly. KidCash credits it on schedule, even when the app is closed. Pause or skip a single payment any time.
Add interest if you want to teach saving
Turn on simple or compound interest, set the rate, and watch the balance grow. The app shows a live preview of the next payout, so your kid can see what waiting actually earns.
Settle up however you settle up
Cash on Saturday. A Venmo from grandma. A trip to the toy store where you cover the bill and clear the balance. KidCash logs the take, the math stays clean.
What you get instead
Everything a bank-linked app does, minus the bank
- Automatic allowance, paid on the schedule you choose, in the background.
- Simple or compound interest with a minimum-balance floor and a cap.
- Multiple savings goals per kid with a progress ring that fills as they save.
- A complete transaction history you can search across years and export to CSV or PDF.
- iCloud sync through your own account — no servers, no analytics, no ads.
- Face ID lock and a privacy cover that hides balances in the app switcher.
FAQ
Questions, answered
No. There is no bank link, no Plaid integration, no funding source. KidCash is a private ledger that lives entirely on your iPhone and your private iCloud. No real money ever changes hands inside the app.
However your family already moves money. You hand them cash on Saturdays, you Venmo their grandparent, you let it accrue and pay it out at the end of the month, or you simply hold the balance until they want to spend it. KidCash is the running total that keeps everyone honest.
Yes. Interest in KidCash is a teaching tool, not a yield product. You set the rate (say 1% a week, or 5% a month) and the app credits it to the balance automatically. The math is real, the lesson is real, the dollars stay in your pocket until you decide to hand them over.
In your wallet or your own checking account, exactly where it would sit anyway. KidCash tracks the progress with a goal ring that fills as the balance grows. When they hit the target, you settle up. Most parents find this is more flexible than a kid bank account, not less.
No. Your KidCash data syncs through your own private iCloud, the same Apple ID you already use. Sign in on a new iPhone and everything is there. Export to CSV or PDF anytime as a belt-and-suspenders backup.
Track allowance the private way. No bank required.
One-time $4.99 purchase. iPhone only, iOS 17+.
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