Own it. No subscription, ever.
One payment. Yours for life. No renewal reminders, no price hikes, no cancellation windows.
14-day free trial · no card required to start
Everything you need to run a fair, structured pocket money system.
- Chores & Ledger SHA-256 immutable ledger, 64 built-in chores, streak awards, flash chores & photo proof
- Goals & Money Savings Grove goals, Rate Guide benchmarking, payment bridge & overdraft facility
- Family & Access Unlimited children, 6-digit child codes, multi-household compatible & avatar personalisation
See how your child is growing — not just what they've earned.
For separated and co-parenting families who need a record that holds up.
Everything, side by side
| Feature | Core £44.99 | Core AI £64.99 | Shield AI £149.99 |
|---|---|---|---|
| Included in all plans | |||
| Chore tracking & immutable ledgerEvery transaction is SHA-256 hashed and chain-linked. Once a payment is approved, no entry can be altered or deleted - creating a permanent, tamper-proof record. | |||
| Child 6-digit code access (no email)Children log in with a simple 6-digit code - no email address, password reset flow, or personal account required. Ideal for younger children who don't yet have email. | |||
| Savings goals (Savings Grove)Children set named savings targets and track progress visually as they earn. Supports parental boosts, a purchase confirmation flow, and multiple active goals at once. | |||
| Payment bridge (Monzo, Revolut, PayPal)Deep-links to your banking app with the exact amount pre-filled, or generates smart copy for UK bank transfers - so paying out takes seconds rather than minutes. | |||
| Unlimited children | |||
| Age-appropriate child interface & languageThe child-facing UI uses under-12 vocabulary, avoids financial jargon, and adapts tone by age. Light-hearted without being childish - designed to be taken seriously by the child. | |||
| Avatar personalisation | |||
| Login historyA timestamped log of every device login - useful when multiple adults share oversight of the family account, or when you want to confirm a child has been using the app. | |||
| Chore & ledger | |||
| Rate Guide benchmarkingSee what other UK families pay for the same chores, drawn from an anonymised dataset of real rates. Helps you set fair, market-rate values - and gives you something to point to when a child disputes the amount. | |||
| Optional photo proof per choreChildren can attach a photo when marking a chore done. The image appears in your approval queue before payment is credited - so you can verify the job was actually completed. | |||
| Adjustable frequency & due datesSet chores to repeat daily, weekly, or fortnightly with optional deadlines. Overdue chores are flagged automatically so nothing quietly slips through the cracks. | |||
| No child data required for useChildren are identified by a code and a nickname only - no full name, email address, date of birth, or personal data is stored. Designed for COPPA and UK GDPR-K compliance from day one. | |||
| Shared parental expense trackingLog costs shared across two parents with configurable split percentages and approval thresholds. Works for single and multi-household families alike - useful any time two adults are splitting child costs. | |||
| Overdraft facilityPermit a child's balance to go negative by a parent-defined limit. Teaches responsible borrowing in a consequence-free, controlled environment - without the real-world stakes of debt. | |||
| Flexible earning / pocket money methodChoose chore-based earning, a flat weekly allowance, or a hybrid of both - and switch at any time without losing your ledger history. Adapts to how your family already thinks about pocket money. | |||
| AI & insights | |||
| Insights dashboardA summary view of each child's reliability, consistency, and progress scores over time - so you can see trends at a glance rather than reading through individual chore entries. | - | ||
| AI powered observation reportA weekly AI-generated brief covering your child's chore consistency, earning velocity, and savings behaviour - with trend indicators vs the prior week. Cached after the first run so it loads instantly. | - | ||
| Real-time AI behavioural triggersIntroduces relevant financial education topics exactly when a child demonstrates related behaviour - so the lesson lands in the moment it's most likely to stick, not on a fixed schedule. | - | ||
| AI Mentor (financial coaching for children)Personalised coaching messages delivered to your child, triggered by their real chore and earnings data - not generic scripts. Adapts to their age, progress, and current savings behaviour. | - | ||
| Learning Lab (25-module curriculum)25 modules, each with 4 acts - 100 individual lessons in total. Covering earning, budgeting, saving, and smart spending, sequenced to your child's age and progress. Expect over 6 hours of solid financial education delivered as they grow. | - | ||
| Legal & records | |||
| Tamper-evident PDF exportsEach PDF carries a SHA-256 fingerprint generated at export time. Any modification to the file after export invalidates the hash - making tampering detectable by any standard PDF tool. | - | - | |
| Digital tamper-seal per exportA machine-verifiable seal embedded in every PDF - a tamper-evident fingerprint any party can independently verify without specialist software. Whether it is accepted in formal proceedings depends on the jurisdiction; please take independent legal advice. | - | - | |
| Co-parent verified sharingBoth parents get separate logins with read-only access to the shared record. Neither can alter what the other sees - preserving the integrity of the ledger for both parties and any third party reviewing it. | - | - | |
| Cryptographically verifiable recordsEvery transaction is stored with a SHA-256 hash chain — the same integrity model used in financial audit trails and e-discovery. Each record is independently verifiable without needing Morechard to confirm it. Whether records are accepted in legal proceedings depends on the jurisdiction; please take independent legal advice. | - | - | |
UK family mediation averages £140/hr. Morechard Shield AI is a one-time £149.99.
Already on Core? Add AI Mentor + Learning Lab for £29.99 - one-time upgrade.
FAQ
Is this really a one-time payment? No subscription ever?
Yes - every plan is a single purchase. Once you pay, the software is yours. There are no renewal reminders, no price increases, and no cancellation flows. We deliberately built it this way because the families who need Morechard most - particularly separated households - shouldn’t have to worry about a payment lapsing and losing access to their records.
What happens when the 14-day trial ends?
Your data is safe. Your ledger remains intact and cryptographically sealed. You can still generate a summary data export at any time — we don’t hold records hostage. To continue using chore tracking, savings goals, and AI features, you’ll need to purchase any plan.
What does Core AI add over Core?
Core AI adds three things: Parent Insights — a weekly AI summary of your child’s consistency, earning velocity, and savings behaviour; the AI Mentor — personalised financial coaching for your child based on their real chore and earnings data; and the Learning Lab — a 25-module structured financial literacy curriculum mapped to your child’s age and progress.
When should I choose Shield AI over Core AI?
Shield AI is built for families who need a verifiable record — most commonly separated or co-parenting households. On top of everything in Core AI, it adds tamper-evident PDF exports with cryptographic seals, a co-parent verified sharing system, and shared expense logging across two homes. Morechard is a record-keeping tool, not a legal service — please take independent legal advice before relying on any export in formal proceedings. UK family mediation averages £140/hr. Shield AI costs £149.99 once.
Can I upgrade later if I start on Core?
Yes. Core users can add the AI Mentor + Learning Lab bundle for a one-time £29.99 upgrade — no rebuy required. To move to Shield AI, you pay the difference at the time of upgrade. You never pay full price for something you’ve already bought.
Does Morechard work for single-parent households?
Absolutely — and most Core and Core AI users are single-household families. The co-parent features in Shield AI are entirely optional. If you don’t have a second household, those features simply won’t appear in your workflow. They don’t get in the way.
What currencies are supported at launch?
GBP (£), USD ($), and PLN (zł). Your currency is detected automatically from your region. Prices shown on this page are in GBP; USD and PLN equivalents are displayed at checkout.
Is there a refund policy?
The 14-day free trial exists precisely so you can evaluate Morechard with no financial commitment. Because you try before you buy, purchases are non-refundable. If something isn’t working as expected, contact us at [email protected] and we’ll sort it out.
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