An honest record, every time.
Every approved chore is timestamped and locked into a tamper-proof ledger. No more “but I did it yesterday.” No more “I never agreed to that rate.” The record is the rule.
For single households
Money lessons that start with your child’s everyday jobs.
Real jobs, real pocket money and a lesson for each moment that matters, with no debit card and no bank account. A weekly AI Mentor briefing grounded in what your child really earned and spent. Built for any family, from day one.
Download
Free to start. No app store needed.
Every family has the same Sunday-night conversation. Did you do your chores? When? Are you sure?
Morechard takes the weight off it. One shared, calm, honest record of what your child did, what they earned, and what they’re learning about money along the way.
What research says about choiceIn a 2004 study of how children take up an uninteresting task, autonomy support led to more engagement and more positive feelings about the task, while rewards made no significant difference either way. It is one reason each job in Morechard shows its rate to the child before they start.
Why families choose Morechard
Immutable ledger
Streaks & velocity
Goal planning · Savings Grove
AI Mentor briefings
No debit card. No subscription.
Parent as Choice Architect
Everyday jobs. Real money lessons.
Six ways Morechard turns the jobs your child does into money lessons, without a debit card, without a subscription, without the nagging.
Habits that visibly compound.
Your child watches their streak build with every approved task and their balance climb week on week. The same loop that drives lifelong financial discipline - made visible from day one.
Turn “I want it now” into “I earned it.”
The Savings Grove turns impulse wants into a concrete plan: today’s balance, the goal price, the chores between. Your child sees the route from chore to checkout, every step of the way.
A lesson written just for your child, every week.
Every Sunday, the Orchard Lead reviews your child’s week and surfaces one teachable moment - rooted in their real earnings and spending, not a generic curriculum slide.
Pocket money that just works, day one.
No bank account hoops. No card fees. No monthly drip. Free Founder’s Edition (£44.99) and you’re set up for years. Works for any child, of any age, from the very first chore.
You set the rules. The app handles the rest.
Decide the chores, set the rates, approve the work - in seconds. Morechard takes over the nagging and the policing so you get to focus on the conversations that actually matter.
A day with Morechard
Less nagging. More noticing.
A simple loop, designed to disappear into the rhythm of your family’s day.
No nagging. No spreadsheets. No “did you?” conversations.
How it works
Plant. Tend. Harvest.
Three steps that turn into a habit. The Orchard does the rest.
Plant
Add your child, set their chores, and choose a rate. Use our Rate Guide if you’re not sure what’s fair - it benchmarks every chore against real-market data.
Tend
Your child marks jobs done as they go. You approve from the kitchen, the office, or the school run. Every approved chore lands in the ledger.
Harvest
Pocket money grows in real time. Savings goals become achievable. Lessons land at exactly the right moment in your child’s journey.
Why Morechard
A different kind of money education.
No debit card
Works for any child, any age, with no card fees or bank account hoops.
No subscription
Free Founder’s Edition (£44.99). No monthly drip. Nothing to cancel.
Real-data literacy
Financial lessons triggered by your child’s own earning and spending - not generic slides.
Bank-grade integrity
Every ledger entry sealed with a cryptographic fingerprint. Nothing can be edited or deleted.
Common questions
Everything parents ask first.
What age is Morechard for?
Morechard is built for children aged 5 to 17, in four age levels that grow with them: Sprout (5 to 8), Sapling (9 to 11), Oak (12 to 15) and Canopy (16 to 17). The tone moves from the friendly Seedling view for younger children to the strategic Professional view for teens. Each child sees the lessons written for their level and below, so older children see more of the 30 modules.
Do we need a bank account or debit card?
No. Morechard works entirely without a debit card or children’s bank account. Pocket money is tracked in a live ledger inside the app; parents can pay out via existing methods like bank transfer, Monzo, or cash when funds are claimed.
How does pocket money actually get paid?
Morechard tracks every approved chore and updates your child’s balance instantly. When your child wants to claim, you choose how to pay - bank transfer, Monzo, PayPal, or cash. Morechard records the payment and locks the entry into the ledger.
What if my child loses interest after a week?
Morechard is designed to land at exactly the right moment - your child’s real earnings trigger short, age-appropriate Learning Lab modules and weekly AI Mentor briefings, so engagement is renewed by the data they recognise as their own, not by gamification gimmicks.
How is this different from a sticker chart or a spreadsheet?
A sticker chart rewards a task. Morechard teaches the financial system behind the task - effort to earn, opportunity cost, patience, compound growth - using your child’s real data and a tamper-proof ledger that grows over years.
Is my child’s data safe?
Yes. Morechard is GDPR and COPPA-compliant by design. Children are identified only by nickname; no surnames, addresses, or payment details are stored against a child profile. All data sits on UK or EU servers and belongs to your family.