# Guardian Savings — Allowance and Savings Tracker

> Allowance and savings tracker for teaching kids financial literacy. (iPhone/iPad app by Guardian Savings.)

- Source: https://appshunter.io/ios/app/guardian-savings/id1466980177 (this page in markdown: same URL + `.md`)
- Developer: [Guardian Savings](https://appshunter.io/developer/1466980176)
- Category: Education, Finance
- Price: Free
- Rating: 4.79/5 from 155 App Store ratings · 29 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 7 MB
- Languages: English
- Released: 2019-06-12
- Data updated: 2026-08-09
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/guardian-savings/id1466980177/reviews.md

## What is Guardian Savings?

Guardian Savings is a simple savings tracker.  Like a fancy spreadsheet, the app is a historical record of how much money your kids “deposit” at the Bank of Mom and Dad. But that’s not all: co-designed with teachers, Guardian Savings strives to make every money interaction a teachable moment.

GUARDIAN SAVINGS IS:
- Easy for everyday management of your child’s earning, spending, and allowance
- Designed to be educational for kids and to instill positive money habits
- Simple to set up and use (all you need is an email to start!)

Feel good knowing that you’re raising your kids to be smart with money. As Benjamin Franklin said, “An investment in knowledge pays the best interest.”

FEATURES FOR KIDS 
- Quickly see how much you have. No more counting cash from a piggy bank!
- Easily buy things when with a parent (no IOUs!) 
- Set aside money for goals and track progress 
- Separate money into “money jars”
- See analysis of earning and spending
- Choose a fun money mascot
- Set a pin so siblings can’t see balance

EDUCATIONAL HIGHLIGHTS
- Ease of deposits/withdrawals increases child’s practice and creates teachable moments
- Parent funded interest incentivizes saving
- Deposits can be automatically split between money jars, such as spend-save-give
- Analysis of spending and reviewing transactions can inspire conversations 

FEATURES FOR PARENTS
- Never forget allowance with auto-allowance
- Parental controls that let you reverse transactions and manage your kids money settings
- Resources on how to teach and think about kids financial literacy 

OTHER FEATURES YOU MAY LIKE
- Access your account in the app or from a computer via our website 
- Non-US currency options 
- Emails with monthly summaries of your kids money

Replace the piggy bank with Guardian Savings. This app is great for paying kids for chores, using as an allowance tracker, pocket money management, managing family finances, teaching youth financial literacy, being the bank of mom and dad, and more! It may just be a money tracker but to your child, it feels like a kids bank.

Note: Guardian Savings is a money tracker and financial technology company, not a bank

## Key features

- Allowance and savings tracker
- Teachable money moments
- Money jars for goal setting
- Spending analysis
- Automatic allowance
- Parental controls

## Recent user reviews (10 of 29)

All indexed reviews: https://appshunter.io/ios/app/guardian-savings/id1466980177/reviews.md

### 5/5 — Better than gold (for families)

*2025-10-03, version 2.0*

If you have kids, this app is better than gold. I’m not exaggerating — read that again. It teaches them lessons that some adults never learn.

My kids are already internalizing the magic of compounding, saving, and making smart spending decisions. They can see their money grow, they feel the sting of withdrawals, and they’re learning real-world trade-offs in a safe environment.

As a parent, I have full control and visibility, all while paying zero fees. It’s simple, it’s powerful, and it’s setting them up to be successful and responsible with money for life.

This is one of those rare tools that actually changes behavior, not just tracks it. Pure gold.

### 4/5 — Kind works

*2025-02-02, version 2.0*

When I first got this app is said failed to load and after a while it finally worked. Then suddenly it stopped working and again said failed to load. Now, two months later it still doesn’t load. When the app works it is really good though

### 5/5 — The best

*2024-09-16, version 2.0*

Does exactly what it needs to in a simple intuitive way.
It’s refreshing to have an app that isn’t trying to sell you something every 10 seconds and loaded with ads. 
I’ve been using this for several years and it’s worked great. As soon as my kids get money they almost always say “Dad, will you put this in my account?” When we’re at the store and they want something it’s easy to check their balance. It also helps them control their spending because it has savings goals/jars.

### 1/5 — A poorly written app for the oddest reasons

*2024-09-15, version 2.0*

This is the only native iOS app I have that can’t keep me permanently logged in. It is also the only one that registers button presses twice if you tap too long. I am an iOS developer and I don’t know how you could get this so wrong. It looks like they used a terrible cross platform framework because there are 10 year old Material Design touches, which didn’t look good on Android when they were new and have no place here.

### 5/5 — Great and Simple, exactly right

*2024-07-14, version 2.0*

This is a great app for a simple “Parent is the Bank” idea. In the market today with the complex cards and subscriptions, this fill the perfect on the go piggy bank. It’s core purpose of educating children on savings and spending is right on. 

Couple of bugs that need to be cleaned up but overall fantastic.

### 5/5 — Get this!

*2024-07-08, version 2.0*

This is the 5th finance app I’ve downloaded for my kids and it’s the only one that didn’t get deleted. It’s user friendly, simple, and straight to the point. Love that everyone in the family uses the same acct. Love the “jars”. Love that it helps my kids see where their money is going. And it gives them some responsibility. This is exactly what I was looking far.

### 4/5 — Feature request

*2024-04-06, version 2.0*

Could you make withdrawals repeatable? My son has a monthly subscription that is $5. And we have to remember to manually put in the amount every month. 

Love the app. Great features: 1) savings categories that automatically get a percentage of allowance. 2) can offer interest on savings category. 3) child can request from his app and I approve on mine

### 5/5 — The perfect app for many kids

*2023-10-04, version 2.0*

We had tried several apps to keep up with the kids money, I never had cash for lost teeth or books read or extra chores - so I kept loosing track and because they couldn’t “see” it they were less motivated. This app changed all of that and has helped with everything. Kids are motivated to see their money, I can keep up and label things how I want. When they use their money I can simply deduct. We’ve all loved it. Way to go!

### 1/5 — Subscription $3 month

*2023-08-13, version 2.0*

They don’t say this anywhere in the description, and there is no mention of in-app purchases, but the app costs $3 month. They wait until you have used the app for a month before they lock you out without even a single warning, requiring a subscription to continue using it.

### 4/5 — Interest can’t be limited by jar

*2023-08-05, version 2.0*

Would be perfect starter app except interest applies regardless of which jar the money is allocated toward. In general we want to teach our kids to put the money in savings so they will gain interest. But interest applies to all jars - meaning this really isn’t designed to have “spend” and “give” accounts — just different types of savings.

## Frequently asked questions about Guardian Savings

### What does Guardian Savings do?

Guardian Savings is a simple savings tracker designed to help parents teach children about money management. It functions like a digital record of money given to children, turning every financial interaction into a teachable moment. The app helps manage allowance, track savings, and analyze spending habits.

### What are the key features for kids?

Kids can quickly see their balance, easily make purchases with parental approval, set aside money for specific goals, and track their progress. They can also separate funds into "money jars" for different purposes, view earning and spending analysis, and choose a fun money mascot. A PIN option is available to keep their balance private from siblings.

### Is Guardian Savings free to use?

Yes, Guardian Savings is a free application. It does not have in-app purchases or advertisements, allowing users to access its features without any cost.

### How does the app help parents teach financial literacy?

The app is co-designed with teachers to make money interactions educational. It facilitates easy deposits and withdrawals, which increases a child's practice with money. Parent-funded interest incentivizes saving, and automatic splitting of deposits into "money jars" like spend-save-give encourages thoughtful allocation. Analysis of spending can also spark important conversations about financial habits.

### What are the parental controls and features?

Parents can set up automatic allowance payments to never forget to pay. They have parental controls to reverse transactions and manage their child's money settings. Additionally, the app provides resources for parents on how to teach and think about kids' financial literacy, supporting their role in guiding their children's financial education.

## Version history (last 4 releases)

### 2.0 — 2023-01-20

Thanks for using Guardian Savings! This new version has performance enhancements and a new app platform.

### 1.2 — 2021-04-19

We now support notifications for all of your children's important money moments! With this update, you'll be able to move seamlessly between our new notification system and the Guardian Savings app.

### 1.1 — 2021-01-08

- Update required for app to continue working after 1/15/2021
- Bug fixes and performance improvements

### 1.0 — 2019-06-10

No release notes.

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## More apps by Guardian Savings

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All apps by Guardian Savings: https://appshunter.io/developer/1466980176

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-09.*