Build your personalized budget in minutes

No more one-size-fits-all budgets. Take the quiz and get a money plan that matches your age, goals, and mindset.

How our budget builder quiz works

This tool builds a personalized budget based on your age, income source, financial goals, and money mindset. Whether you're saving up, spending freely, or just starting to track where your money goes, it helps you find a plan that fits your habits.

Powered by AI trained on youth budgeting strategies and financial literacy research, it takes the guesswork out of creating a money plan that actually works for teens.

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The Money App and Debit Card for Families

A money app for families, debit card for kids and teens

For Parents

Assign and manage chores

Monitor spending

Savings Pocket coming soon

Multiple funding options: bank account, debit or credit card, Apple and Google Pay.

For kids & teens

Financial education and tips

Free shipping for your card

In-app reward point system²

Personalized Visa® debit card¹

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

Trusted by customers just like you

My son loves his debit card and it's easy to transfer money to his card and it's real easy to work and use to set task for your kids to earn money. Also customer service is fast and very helpful.

- Tasha W.

Great fast customer service, love this card for my daughter way better than any other loaded card out there

- Aiko W.

I’m an 11-year-old kid and I love this app helps me manage my money way better and my mom didn’t trust me before this app. Thank you, Modak.

- Taylor K.

My son loves his debit card and it's easy to transfer money to his card and it's real easy to work and use to set task for your kids to earn money. Also customer service is fast and very helpful.

- Tasha W.

Great fast customer service, love this card for my daughter way better than any other loaded card out there

- Aiko W.

I’m an 11-year-old kid and I love this app helps me manage my money way better and my mom didn’t trust me before this app. Thank you, Modak.

- Taylor K.

4.8 App Store Rating

Based on thousands of reviews as of April 15th, 2025.¹⁰

Money skills start here

No minimum deposits or
monthly fees required.*

Checking account and the Modak Visa® debit card issued by Lewis & Clark Bank, Member FDIC.

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.

Funds deposited into a Deposit Account may be eligible for up to $250,000 of FDIC insurance.

The FDIC’s deposit insurance coverage only protects against the failure of an FDIC-insured depository institution.

(*) Fees for expedited or premium services may apply. See for applicable fees. Find out more in our Cardholder Agreement
(1) Deposit account and the Modak Visa® debit card issued by Legend Bank, N.A., FDIC-Insured.
(2) For more information about MBX, visit our MBX Policy.
(3) The savings goals feature is intended to assist you in planning and tracking your savings progress. It does not imply or guarantee any interest earning.
(4) For more information about this study, click here.
(5) Modak Scratch 'Em All feature Terms and Conditions apply.
(6) $6 Welcome bonus. Terms and conditions apply.
(7) The MBX Rewards Program allows all customers, whether they have a Card or not, to earn MBX through eligible activities such as completing challenges, using the walking feature, or making purchases. However, only customers with a Card can redeem MBX for monetary rewards. A minimum balance of 100 MBX (approximately $1.00 USD as of January 2025) is required for redemption, though the value is subject to change and not guaranteed; for details, visit MBX Policy. No minimum balance is required to open an account, and redemption of MBX into USD is processed instantly upon meeting the MBX minimum balance requirement. This program does not accrue interest and (0.00% Annual Percentage Yield (APY)) applies.
(**) Welcome Bonus and Referral program terms and conditions apply.
(8) Roblox Reward applies only after ordering the physical debit card and using the code ¨Roblox¨ during the sign up process. Learn more in the Terms and Conditions.
(9) The savings pocket is designed to help you manage your savings goals. A Modak boost is applied only to eligible funds. Terms and conditions apply.
(10) This review was sourced from the App Store, where customers voluntarily shared their experiences. Individual results may vary. This testimonial reflects the opinion of one customer and is not a guarantee of future performance. App Store ratings as of April 15th, 2025.

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