Teach your kids that money grows when you save it.

No. SproutBank is a teaching and tracking tool, not a financial institution. The numbers represent money the parent holds — it's a family ledger that makes money visible, not a place where actual funds are deposited or insured.

No. SproutBank doesn't connect to any bank account or require a debit card. It's a tracking and teaching tool — you (the parent) hold the actual money, and the app just helps make saving and growth visible to your kids.

You, the parent, hold the real cash or handle the actual purchases. When your child spends, gives, or reaches a goal, you follow through with real money. SproutBank tracks it all so the numbers stay honest and the lessons stay real.

Yes, anytime in Family Settings. The default is 75% APY, paid daily — high enough to make growth feel exciting and fast enough that kids notice it. But you can set it to anything that works for your family. Some parents use 10%, others use 100%. It's your call.

That's completely normal — and actually a great lesson! Just like real investments, growth rates can change. If you need to lower your rate, SproutBank can help frame it for your kids as part of how investing really works: sometimes things grow faster, sometimes slower. You're not breaking a promise — you're teaching a real financial concept.

They log a spend or give request in the app. You approve it — either instantly with your PIN or by reviewing it later. Once approved, you hand over the real cash (or make the purchase). Simple as that.

Goals let your kids save toward something they actually want — a toy, a game, a gift for someone else. Each bucket (Give, Save & Invest, Spend) can have one active goal at a time, with a visual progress bar that fills up as their balance grows. Goals turn an abstract number into something real: instead of "I have $23," it becomes "I'm halfway to the LEGO set I want." When a goal is reached, kids get a celebration — and can claim it, moving the money toward what they've been saving for. Goals are where saving stops feeling like a rule and starts feeling like progress toward something they chose.

Yes. Your family's data is private and isolated from other families using the app. We use Supabase with row-level security — no other family can see your data. We never sell or share your information. See our Privacy Policy for full details.

Yes — each family gets their own completely separate, private account. Your kids' balances, transactions, and history are visible only to your family.

SproutBank is free during early access. We'll let you know well in advance if pricing ever changes — and if you're one of our early families, that matters to us.

Those apps often involve real debit cards, bank linking, and more complex setup — useful for older kids managing real spending, but a lot of overhead for younger kids just learning the basics. SproutBank focuses on the core lesson — give, save, grow toward goals — with nothing else required to get started.

Any device with a modern browser — phone, tablet, or computer. It works especially well on tablets for younger kids. You can install it to your home screen for an app-like experience. A native mobile app is on our roadmap.