Discover the Best Free Piggy Bank Apps for Smart Saving

What to look for in a piggy bank app

Before you download anything, it helps to know what actually matters. A good piggy bank app lets you set savings goals, keep track of allowance or chore money, and give each child their own space, with parent controls that let you see what is happening without hovering over every tap.

Then there is the big question: price. Some apps are free. Others charge a monthly fee, usually because they come with a real debit card for your child. Neither is wrong. It just depends on what your family needs right now.

The best piggy bank apps in 2026

1. epiggy.app: best free option

epiggy.app is a free virtual piggy bank that runs in your browser, so there is no app to download. You can create savings goals, set up an account for each child, and log allowance or chore money as it comes in. Kids watch their progress grow toward something they actually want, which is the whole point.

Kids do not need to remember any username or password. Parents share a simple link, and the child can open it to see their balance and transactions anytime. It is built for the whole family too: everyone connects with one family code, and grandparents can add gift money remotely.

There is no monthly fee and no debit card involved, so it fits families who want to teach the saving habit first, before handing a child a payment card. If your main goal is building that habit, start here. It costs nothing to try.

2. PiggyBot: simplest allowance tracker

PiggyBot has been around for years and does one thing well: it tracks allowance. Parents set up each child with a PIN, split weekly money across spending, saving, and sharing, and log payments for chores or gifts. No bank account, no card, just a clear record of who earned what.

A good pick if your family still uses cash but you keep losing track of who is owed what.

3. Spriggy: best for Australian families

Spriggy pairs an app with a prepaid Visa card for each child. Parents can schedule pocket money, set jobs and chores, and see spending happen in real time. It costs around $5 a month billed annually, with a short free trial to start (prices change, so check their site).

The catch: it is Australia-only. If you live elsewhere, the next options are the ones to look at.

4. Greenlight: best debit card for kids

Greenlight is the best-known kids debit card in the US. Parents get chores, allowance automation, and spend controls. Kids get a real debit card plus savings features. Plans start around $5.99 a month for the whole family, with higher tiers adding investing and cash back.

Worth it if your child is old enough to spend on their own and you want guardrails in place. Probably more than you need if you just want to track savings goals.

5. GoHenry: best for built-in money lessons

GoHenry combines a prepaid debit card with short money lessons inside the app. Parents set limits and get alerts, and kids pick up a little financial know-how along the way. It runs about $3.99 per child per month.

A solid choice if you like the idea of the app doing some of the teaching, not just the tracking.

6. FamZoo: best for whole-family budgeting

FamZoo covers the entire family rather than just young kids. Allowances, chore charts, and budgeting live in one place for around $5.99 a month, with optional prepaid cards for kids who are ready to spend. It is less playful than the others, which suits families with teens.

Quick comparison

Prices change often, so treat these as a starting point and check each app's site before signing up.

How to pick the right one

Ask yourself two questions. First: does my child need a card, or just a place to track savings? If it is the second, a free virtual piggy bank like epiggy.app does the job without a monthly bill. Second: how old are they? Young kids do great with simple goal tracking. Teens who buy things on their own get more out of a supervised debit card.

There is no wrong answer here. Plenty of families start free and move to a card later, when the time is right.

Common questions

Are piggy bank apps safe for kids?

Yes, if you choose one with parent controls. Apps like epiggy.app do not connect to a bank account at all, so there is no real money at risk while kids learn.

What is the best 100% free piggy bank app?

If you want zero fees, a free virtual piggy bank like epiggy.app is the straightforward choice. The card-based apps all charge a monthly subscription.

Does my child need a debit card?

Not necessarily. A card makes sense once a child spends independently. Before that, tracking savings goals in an app teaches the same habits for free.

What age should kids start?

Most kids are ready around ages 5 to 7, when they start understanding that money buys things. Start simple. One savings goal is plenty.