Bankaroo

A virtual bank for kids, this app offers an easy-to-use interface. A profile page shows kids their current balance, goals, recent activities, and upcoming activities. Badges are earned by setting and reaching goals.
Recommended age: 6+

BusyKid

BusyKid is a debit card and app. Kids can receive their allowance and birthday money using the app. When they’re ready to use their funds, they transfer money to their debit card. In addition to enabling kids to save, spend, or donate their money, kids can also invest in stocks.
Recommended age: 4+

Change Maker

This educational game allows children to complete interactive lessons based on making the correct change. Kids can choose the level of difficulty, then practice math skills by identifying paper money and coins.
Recommended age: 6+

FamZoo

FamZoo is a finance app for kids, teens and parents. Features include pre-paid cards, automated allowance, money requests, and direct deposit for teens. The goal of the app is to help kids learn money habits that help them grow into financially capable young adults.
All ages

Greenlight Kids

Greenlight is a debit card and app. Parental controls enable parents to limit how much money their child spends in certain stores. Kids learn money skills through games and for an additional fee can earn cash rewards and invest.
Recommended age: 4+ 

iAllowance

This online platform replicates a bank, teaching kids about savings, income, expenditures, money donated to charity, and more. You create an allowance and chore list, and then decide how much the kids earn for completing chores.
Recommended age: 4+

Savings Spree

Kids are introduced to financial basics through text and mini games in a series of rounds full of cute illustrations. Kids learn about different saving choices, how money is earned, how to develop healthy spending habits, why you should avoid impulse purchases, and the importance of a rainy day fund.
Recommended age: 7+

World of Money

This is a youth financial education app where the videos are taught by youth for their peers. Topics include “Money Mindsets,” “Needs vs. Wants,” and “Entrepreneurship.” World of Money also offers in-person and virtual classes.
Recommended ages: 7-25

Acorns

Acorns is a micro-investing app for smartphones that invests your spare change by rounding up purchases to the nearest dollar and investing the difference. It’s a great way to start saving for retirement. However, as your career and financial needs evolve, you should seek professional financial planning advice about your growing wealth management goals.

Bigwords

Bigwords comparison shops text books – new, used, and rentals. The app can search by author, title, publisher, or ISBN, across multiple online retailers. It even factors in promotional offers and coupons when calculating the lowest price.

Credit Karma

Credit Karma lets you check your credit score as often as you like for free. (Otherwise, you only get one free credit check per year per credit bureau). It offers insights on improving your score, and alerts you when your score updates. Credit scores are key factors for lenders: The higher your credit score, the better your loan terms.

PayPal

PayPal is a well-known payment app. Use it for online shopping, and for sending and receiving money e.g., reimbursing your roommate for last night’s dinner, or receiving funds from your parents while on campus.

Rakuten

Rakuten lets you earn cashback for your purchases when you shop through their links. Each quarter, they send you a rebate check or PayPal payment.

Tip Calculator

Tip Calculator (for Android) and Tip Calculator % (for Apple) is a free tip calculator that helps split the bill when dining with friends, and calculates the correct tip, based on your bill. ages 4+

Unbury.Me

Unbury.Me is a free online app that’s basic, yet useful. Simply enter debt data such as your student loan balances. The program creates a colorful graph, showing interest paid, outstanding balance, payoff timelines, and more. Adjust the settings to consider different scenarios e.g., paying off debts with the highest interest rate first (the ‘avalanche’ method), or those with the lowest principal (the ‘snowball’ method).

Venmo (Teen Account)

Venmo is a digital wallet app that also lets you make and share payments. It’s owned by PayPal, and has similar functionality, while being more socially oriented e.g., splitting bills, repaying friends, etc. Parents can set up a Teen Account on behalf of their child and can also apply for a Venmo Teen Debit Card. Parents can lock/unlock the debit card and monitor the account balance.

YNAB

YNAB is available online and on mobile devices, including Apple watches and Alexa. The app identifies how much money you have, what you need to spend it on, and when. It can track regular payments like monthly rent, plus larger or less frequent budget items like car insurance premiums.