Only 17 states require financial literacy education in schools
Gndwrk is the family banking app that teaches financial literacy through real money—not worksheets. Kids manage their own accounts, build a Trust Score, and graduate with skills that actually matter.
No credit card required • Free forever on Starter plan • Setup in 3 minutes
2x
Kids who learn money skills early save 2x more as adults
40%
Families report better money habits with structured allowances
78%
Of parents say school doesn't teach enough about money
A complete financial education platform disguised as a banking app. Real money, real lessons, real results.
Spend, Save, Give, Invest. Kids learn to allocate money wisely across four purpose-driven accounts.
Kids build a financial reputation through responsible behavior. At 18, it converts to real banking benefits.
A friendly AI assistant that answers questions, provides guidance, and teaches financial concepts.
Parents create paid chores, kids claim and complete them. Real work, real rewards.
Safe, educational loans from parents to kids. Learn about interest, repayment, and responsibility.
Kids get their own cards with parent-controlled spending limits and real-time notifications.
Get your family started in just a few simple steps.
Create your family account in minutes. Link your bank for easy transfers.
Create profiles for each child with age-appropriate settings and permissions.
Set up allowances, bucket splits, and order optional debit cards.
Track progress as they build their Trust Score and learn money skills.
Choose the plan that fits your family. No hidden fees.
Get started with the basics
Everything for growing families
Premium features for large families
14-day free trial on paid plans. Cancel anytime.
Join thousands of parents who are raising financially confident kids. Here's what they have to say.
"My kids finally understand why we can't buy everything they want. The 4-bucket system made saving feel like a game, not a chore. My 10-year-old saved up for a Nintendo Switch entirely on his own!"
"The Trust Score concept is brilliant. My daughter is now obsessed with keeping her score high. She actually ASKS for chores now. Never thought I'd see the day."
"We tried three other family banking apps before Gndwrk. This is the only one that actually teaches financial concepts instead of just being a digital piggy bank. The AI coach answers their questions better than I can!"
"Our son took out his first 'loan' from us to buy a skateboard. Watching him make weekly payments and learn about interest at age 12 was priceless. He's more financially aware than most adults I know."
Everything you need to know about teaching your kids financial literacy with Gndwrk.
Gndwrk is designed for children ages 6 to 18. The app automatically adjusts its interface, language, and financial concepts based on your child's age. Younger kids (6-10) see simplified visuals and basic savings concepts, while teens (13-18) can explore more advanced features like loans, investing simulations, and credit-building behaviors.
Getting started takes just 3 minutes. First, create your parent account and verify your identity. Then, add your children's profiles with their names, ages, and photos. Finally, fund their accounts and set up automatic allowances. Each child will receive their own login and can optionally get a physical debit card delivered in 5-7 days.
The 4-bucket system divides every dollar your child receives into four purpose-driven accounts: Spend (for everyday purchases), Save (for short-term goals), Give (for charitable donations), and Invest (for learning about long-term wealth building). This proven framework teaches kids to think intentionally about every dollar, not just spend it all. You can customize the default split—many families start with 50% Spend, 30% Save, 10% Give, and 10% Invest.
Yes, absolutely. All funds are held at our FDIC-insured partner bank, meaning deposits up to $250,000 are federally protected. We use bank-level 256-bit encryption for all data transmission, and our systems are SOC 2 Type II certified. Kids' spending is protected by real-time parent controls, instant notifications, and the ability to freeze cards instantly from your phone.
We collect only what's necessary to provide our service: basic profile information (name, age, parent-provided email), transaction history, and app usage patterns to improve our AI coaching. We never sell your data or show ads to children. All data is encrypted, and you can request complete deletion at any time. We're fully COPPA compliant for children's privacy protection.
Yes, you have full control. Set spending limits (daily, weekly, or monthly), block specific merchant categories (like gambling or adult content), require approval for purchases over a certain amount, and receive instant notifications for every transaction. You can also instantly freeze any card from your parent dashboard if a card is lost or misused.
Yes, our Starter plan is completely free with no credit card required. It includes one child account, two buckets (Spend and Save), basic chore tracking, and a debit card ($5 shipping). Paid plans unlock additional children, all four buckets, the AI Money Coach, kid loans, and premium features. All paid plans include a 14-day free trial.
No hidden fees, ever. Your subscription includes everything—unlimited transfers between family members, free ATM withdrawals at 55,000+ locations, free card replacements (first per year), and no overdraft fees (cards simply decline if there's not enough balance). The only additional costs are optional expedited card shipping and premium card designs.
Yes, you can cancel your subscription at any time with no cancellation fees. Your account will remain active until the end of your billing period. After cancellation, you can continue using the free Starter features, or withdraw all funds via bank transfer. We'll retain your data for 30 days in case you want to reactivate.
The Trust Score is like a 'credit score for kids' ranging from 300 to 850. It's built through positive financial behaviors: completing chores on time, saving consistently, paying back loans, sticking to budgets, and giving to causes. When your child turns 18, their Trust Score history can help them qualify for real banking benefits like better interest rates and higher credit limits through our partner institutions.
Our AI Money Coach is a friendly, age-appropriate assistant that helps kids understand money concepts. It can explain why saving matters, help set and track goals, suggest ways to earn extra money, and answer financial questions in kid-friendly language. For younger children, it uses simple analogies and visuals. For teens, it discusses more sophisticated concepts like compound interest and investing basics. Parents can review all conversations.
Yes! Kid Loans are a powerful teaching tool. Parents can offer loans for larger purchases (like a gaming console or bike). Kids learn to understand interest rates, make regular payments, and experience the consequences of borrowing—all in a safe, family environment. On-time payments boost their Trust Score, while missed payments provide valuable lessons without real-world credit damage.
Still have questions? Contact our support team
Join 12,000+ families teaching real financial skills. Start your free trial today—no credit card required.
14-day free trial on paid plans • Cancel anytime • FDIC insured