The piggy bank, reimagined.
A safe, read-only window into real savings and investment accounts — with AI-powered learning, savings goals, family rankings, and the excitement of watching their money grow.
Track Growth
Connects to your child's 529s, IRAs, brokerages & bank accounts.
AI Assistant
Penny, a live money mentor, plus a dashboard tuned to your child's age.
What Could I Buy
Displays fun things they can buy as they grow.
All Accounts
One dashboard for the whole family.
Connects to any account, at any institution.
Read-only by design
View only — kids and MemoryBank can never trade, move, or touch a dollar.
Connected via Plaid
The same secure tech behind Venmo, Robinhood, and Coinbase.
Bank-grade sign-in
Powered by Clerk (SOC 2 Type II audited). We never see or store your password.
Kids can't care about money they never see.
When my daughter thought money leaving her piggy bank meant it was gone forever, I built MemoryBank so my kids could watch their real investments grow.
Why I built MemoryBank
Harrison
Everly
EmmaBuilt for Harrison, Everly, and Emma—the first MemoryBank kids.
Goals worth saving for
Turn saving into something they can't wait to achieve
Kids set goals they care about. Progress updates automatically from their real accounts.
New Bike
LEGO Set
Basketball Shoes
New Stuffy
A dashboard by touch. A photo frame at rest.
Displays Google Photos the parent chooses until it's time to check their investments.
A better way to give than another toy.
Not the parent? No problem. Gift a subscription with an email or printable code. Stay involved as a co-parent—or simply give the gift.
Not a debit-card app. A head start on financial confidence.
Debit card apps teach kids how to manage spending money. MemoryBank helps them understand how wealth grows.
| Feature | MemoryBank | Debit-card appsKid debit-card appsGreenlight, Acorns Early, Step |
|---|---|---|
Connects to real investment accounts UTMA, 529, Roth IRA, brokerage at Fidelity, Vanguard, Schwab, etc. | ||
Built for kids to use directly Kid-friendly view, no login required, runs on any device | ||
Read-only — no spending risk Kids can watch and learn, but can never move or spend a dollar | ||
Family follows along, read-only Grandparents and co-parents get their own view — no shared logins, no account access | ||
Doubles as a family photo frame Cross-fade through Google Photos when idle |
Comparison reflects publicly listed features as of 2026. Other apps may add brokerage features over time — we'll update accordingly.
Help them build financial confidence.
Every account. Every institution. Their money, their view.
Kids who see their money grow become financially confident adults.
Free to start · No credit card required · Month-to-month billing