About Sprout Saver: the money app for the years before a debit card
Sprout Saver is a family money app that teaches kids ages 6–16 to earn, save, spend and give with virtual money that parents control.
COPPA
Parent consent for every kid account
100%
Virtual money, zero risk
300+
Lessons and activities
Ages 6–16
Age-adapted curriculum
Why Sprout Saver Exists
Money habits start forming years before most kids meet money in a classroom. The Consumer Financial Protection Bureau finds that children’s money habits and norms begin to form between ages 6 and 12, mostly by watching their parents and caregivers. Personal finance classes usually come later, in high school.
That leaves a gap: the years when habits form, before a child is ready for a real debit card. Sprout Saver is built for that gap. Kids earn virtual money through allowance and chores, split it into Save, Spend and Give jars, save toward goals and learn through lessons and games.
Parents set the rules and approve every withdrawal, and real-world payouts happen offline, on your terms. No real money moves through the app, so a mistake costs a lesson, not a dollar.
Built for families
Ages 6–16
Ages 6–12
Money habits and norms begin to form in middle childhood, ages 6 to 12, as children watch and interact with their parents and caregivers.
Source: CFPB, September 2016
Parents
Parents and caregivers are usually the main influence on how children learn about money through elementary and middle school.
Source: CFPB, September 2016
30 states
30 states require a standalone personal finance course to graduate from high school.
Source: NGPF, April 6, 2026
Our Approach
Age-appropriate lessons designed for kids 6–16
Virtual money: a mistake costs a lesson, not a dollar
Parents set the rules and approve every withdrawal
Game mechanics make practice feel like play, not homework
What We Believe
Our values guide everything we build — from the features we ship to the data we protect.
Family First
Every feature is built for families to use together. Financial education starts at home — we make it easier.
Learning by Doing
Kids practice real money decisions with virtual consequences: earning, sorting, saving, waiting and giving.
Safe by Design
No real money ever moves through Sprout Saver, and a parent approves every withdrawal.
Inclusive Design
Age-appropriate content for kids 6–16. Every child deserves to learn about money, regardless of their starting point.
Honest About Sources
Our editorial standards are the rule for every guide: facts from primary sources, a link next to the claim, and a correction when we get something wrong.
Privacy First
Kids never need an email address, and the app shows no ads. Our privacy section below explains what the app and this website use.
Your Kids' Safety Is Our Priority
How Sprout Saver protects children’s data and keeps parents in charge.
No Real Money
Virtual currency only. Kids learn the skills without the stakes, and there is no card to lose or balance to claw back.
Built for COPPA
A parent creates every child account, and kids sign in with a family code, a username and a PIN, never an email address.
Read our COPPA policyParent-Controlled
Parents approve chores, withdrawals and goal redemptions, and see all activity in one place.
No Ads in the App
The app shows no ads and has no advertising or analytics trackers from other companies. We never sell your family’s data.
Encrypted
Family data is encrypted in transit (TLS) and at rest (AES-256), as our Privacy Policy describes.
Kid-Safe Sign-In
Kids sign in with a family code, a username and a PIN. Parents can lock the parent controls behind their own PIN.
Privacy, in Plain Terms
Your family’s data. We never sell your family’s data. We share it only in the cases our Privacy Policy lists, such as with the service providers that host Sprout Saver and process payments.
Where it is stored. Data travels encrypted (TLS) and is stored on Google Cloud, which encrypts stored data with AES-256.
What Kids Learn at Each Age
300+ interactive lessons across stories, simulations, quizzes, and scenarios — guided by friendly companions who make every concept click.
Sprout Savers
Ages 6–8- Needs vs. wants
- Saving basics
- Earning through chores
- Counting & sorting money
Money Builders
Ages 9–12- Budgeting basics
- Goal-setting
- Intro to interest
- Smart spending decisions
Future Ready
Ages 13–16- Compound interest
- Investing basics
- Real-world scenarios
- Financial planning
How We Make Our Guides
The guides in our Learning Center and our comparison pages are written and published by the makers of the Sprout Saver app. They carry the Sprout Saver name rather than a personal byline, and we are responsible for every word.
Our rules for every guide: facts come from primary sources such as the CFPB, with a link next to the claim; prices of other apps come from those companies’ own pages, with the date we checked; and when something is wrong, we correct it.
Who We Are and How to Reach Us
We make the Sprout Saver app and this website, and we are based in the United States.
- Email:
- support@sproutsaver.com
- Contact form:
- sproutsaver.com/contact
- Jurisdiction:
- California, United States
Our Terms of Service, Privacy Policy and COPPA policy set out how we handle your family’s account and data.
Start Your Family's Money Journey Today
Free for up to two kids, with no payment details needed.