allowance, without the fintech
An allowance app that doesn't need a debit card
Search for "kids allowance app" and you'll mostly find banking products: a debit card for your child, KYC paperwork, and a monthly fee whether chores happen or not. That's a fine choice if you want your eight-year-old banking. If you just want chores done and allowance earned, it's overkill — and it puts your child's identity in a fintech database.
Get ChoreTrackHow allowance works in ChoreTrack
- Chores earn points. You set the values — make the bed for 10, mow the lawn for 50.
- Points buy prizes you define. Put "$5 pocket money — 100 points" on the prize shelf next to "Movie night pick" and "Stay up 30 minutes late."
- You pay out your way. When a kid redeems pocket money, ChoreTrack logs it — and you hand over cash, transfer to their savings, or feed the piggy bank. Money never touches our app.
- Parent approval, optional. Check-offs can wait for your PIN'd OK before points land — no allowance for half-made beds.
The privacy difference: no debit card means no child bank account, no SSN, no KYC — and ChoreTrack itself collects nothing at all. No accounts, no ads, no tracking. Kids are nicknames on your own device.
What it costs (and what it doesn't)
Card-based allowance apps run $4–6 every month, forever, per family — because they earn on the banking. ChoreTrack's free tier covers 2 kids and 10 chores; Plus is $5/month, $50/year, or a one-time lifetime purchase if subscriptions aren't your thing. The allowance itself stays in your pocket until it's earned.
Start earning allowanceRelated: the chore chart app guide and the no-subscription option.