Frequently Asked Questions

Sprout Saver is a virtual family bank app that helps parents teach kids about money. Kids earn virtual money through allowances and chores, learn to save for goals, and discover financial concepts through interactive lessons. No real money is ever moved through the app.

Yes! The free tier includes everything kids need: allowance tracking, chore management, savings goals, monthly rewards, 190+ interactive lessons and games, Saver Stars & Vault, and avatar customization for up to 2 kids. Pro adds parent power tools: automated allowances with smart rules, lesson assignments with money rewards, a family insights dashboard, shareable PDF progress reports, weekly digest emails, custom savings reward tiers, and support for unlimited kids and multiple parents.

Sprout Saver is designed for kids ages 6-16, organized into three age groups: Sprout Savers (6-8), Money Builders (9-12), and Future Ready (13-16). Lessons and features automatically adjust based on the child's age group.

After creating your parent account, go to the Kids section and tap "Add Child." Enter their name, age, and set up their initial account settings. You can create a PIN for them to log in independently.

You set a monthly savings reward rate for each child (e.g., 6% per month), along with a monthly payout cap and an eligible balance cap. The app pays the reward once per month to teach kids that saving is rewarded over time. This is a virtual, parent-controlled teaching tool -- no real money is involved.

Saver Stars are reward points kids earn by completing lessons, achieving savings goals, and using the Vault feature. They can spend stars to unlock avatar customizations and cosmetics in the Shop.

The Vault lets kids "lock away" money for a set period, teaching delayed gratification. When they successfully complete the lock period without withdrawing early, they earn bonus Saver Stars.

Yes, with a Pro subscription! You can invite additional parents or guardians to help manage the family bank, approve chores, and view analytics.

Pro is designed to save parents time and surface insights. You can automate allowances with conditions (e.g., only pay if chores are done), set graduated pay increases as kids mature, assign specific lessons with money rewards attached, view a full family insights dashboard with spending habits and saving trends, generate shareable PDF progress reports, receive weekly and monthly digest emails, and customize savings reward tiers to incentivize bigger savers.

No! Sprout Saver is purely a teaching tool. All money in the app is virtual. When kids request a withdrawal, parents can choose to give them real cash in person, but the app never handles real transactions.

We take privacy seriously. All data is encrypted, we're COPPA compliant, and we never sell personal information. Kids' accounts don't require email addresses—they use PIN-based login for extra safety.

No. Parents have a separate PIN to access parental controls. Kids can only see their own dashboard, complete chores, learn lessons, and request withdrawals—all of which require parent approval.

Pro pricing may vary by platform. Web billing follows our Stripe pricing, while mobile app billing is shown in your app store subscription screen (Google Play/App Store), including any store-managed trials.

Yes. You can cancel anytime. Web subscriptions are managed in our billing portal, and mobile in-app subscriptions are managed in your app store account settings.

All your data is preserved! If you have more than 2 kids on Pro, you'll select which 2 remain active on Free. The others are paused (not deleted) and will be available again if you upgrade.

Web purchases follow our 30-day money-back guarantee for first-time subscribers. In-app purchases are refunded by your app store provider according to its policies.

Sprout Saver works on any device with a modern web browser — phones, tablets, and computers. Native apps are also available for iPhone and iPad on the App Store, and for Android phones and tablets on Google Play.

Yes. Sprout Saver is on the App Store for iPhone and iPad, and on Google Play for Android. The web app at sproutsaver.com works on any device. Subscriptions purchased through the App Store or Google Play are managed in your store account.

Click "Forgot Password" on the login page and enter your email. We'll send you a link to reset your password. Kids who use PIN login should ask their parent to reset their PIN.