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
The chore tracker that turns daily life into a lifetime of financial confidence.
Pocket money that works without a debit card. Chores your child actually does. A weekly AI Mentor briefing written for them, grounded in what they really earned and spent. Built for any family, from day one.
Register my interest
No spam – one email at launch.
Every family has the same Sunday-night conversation. Did you do your chores? When? Are you sure?
Morechard ends it. One shared, calm, honest record of what your child did, what they earned, and what they’re learning about money along the way.
Why autonomy works“Children develop genuine intrinsic motivation when they experience real agency over their choices – not when they are told what to do. Optional chores a child elects to take on are precisely where that growth happens.”
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 chores. Lifelong financial habits.
Six ways Morechard turns daily responsibility into long-term financial confidence – 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. One-time payment from £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 pocket money app.
No debit card
Works for any child, any age, with no card fees or bank account hoops.
No subscription
One-time payment from £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 6 to 16, with an age-aware experience that grows with them – from the friendly Seedling view for younger children to the strategic Professional view for teens.
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.
Early access
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We'll send you one email when Morechard is ready to launch. That's it.