Anyone can help with their money

Add a parent, a grandparent, or anyone who helps raise them. Each one gets their own account to add money, set chores, and follow along, while yours stays separate.¹

Co-parenting is available from $2.99/mo. See plans →

1co-parent per kid
You
RRileyKid's account
GRGrandma
GUGuardian
UNUncle

App Store and Trustpilot ratings as of April 26, 2026.²

1co-parent per kid
You
RRileyKid's account
GRGrandma
GUGuardian
UNUncle

Built for every kind of family

It takes a village to raise a kid. Now it can help with their money too.

Two parents, one or two homes

Both parents fund the card and set chores, each from their own account.

Grandparents and relatives

The family who already helps can now do it directly, straight from their own account.

Guardians and caregivers

Anyone responsible for a kid can help manage their money, with clear limits in place.

How it works

Invite someone to co-parent

For a specific kid.

They set up their own account

Fully separate from yours.

You both manage that kid

From your own balances.

What's shared. What stays private.

Access

What a co-parent can do

View the kid's balance, goals, card, and history. Send money and add to goals. Create, approve, and pay chores. Freeze the card when needed.

Privacy

What stays private

Your own account, balance, and bank stay yours alone. Your other kids stay private. Each adult keeps a fully separate account, and there is no joint account.

One co-parent per kid. If their access ends, any chores already set up keep running for the kid.

Modak family — mom and daughter with her card
Modak family — mom in the car with her son
Modak family — hand fanning out card designs
Modak family — card outdoors at sunset
Modak family — mom and son on the couch
Modak family — kid with their card

Trusted by over 200,000 families

App Store and Trustpilot ratings as of April 26, 2026.²

TW
Taylor W.

“My stepson lives within two households, so this app made it super easy — and a fun way to learn about chores and his own money.”

JS
Johnda S.

“Makes it easy for a grandma to give money for special occasions.”

VR
Verified review

“Mom and grandma both find this app fun to interact with. I am getting my 5 year old to learn about money, which I was so bad at.”

Deposit account and the Modak Visa® debit card issued by Legend Bank, N.A., FDIC-Insured.

Modak is a financial technology company and not a FDIC insured financial institution.

Frequently asked questions

Is the Co-Parent feature a joint bank account?

No. The Co-Parent feature is not a joint bank account. It simply allows two parents or guardians to collaborate in managing a child’s financial experience while keeping their personal finances completely separate.

Read more →
Does the co-parent get access to the primary parent's money or bank account?

No. Parents never share bank accounts, balances, funding sources, or debit cards. The co-parent can only access information and features related to the shared child.

Read more →
What can a co-parent do?

A co-parent can:

  • Add money to the child’s Spending account
  • Add money to Savings Goals
  • Freeze or unfreeze the child’s card
  • Create, approve, and pay chores
  • View the child’s balances, transactions, and card information
Read more →
How many co-parents can a child have?

At this time, each child can have one active co-parent. However, a co-parent can have access to multiple children if invited by their respective Primary Parents.

Read more →
See all FAQs →

Start building smarter money habits today

Join families raising kids who know what to do with money.

Get started for free →
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