The banking app for kids that plays like a game.

GravyStack harnesses the power of play to teach kids how to earn, save, invest, and share money. Start your kid on the path to financial freedom today!

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What is GravyStack? | Accelerating Financial Independence in a Fun Way

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Game. Learn. Earn.

Parents are super busy. Finding enough time to teach your kids about how money works might not make it to the top of your list as often as you'd like. That’s where we can help. Unlike other banking apps on the market for kids, GravyStack does more than teach kids how to spend money. It empowers kids to become the hero of their own financial story.

Autonomous learning: Help your kids learn essential life skills through independent play.
Real banking: Kids gain access to real FDIC-insured checking and savings accounts and a debit card backed by Mastercard.
Education that’s fun: Kids learn to make and manage their money through fun-to-play games set in the world of Windfall.

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Why people love GravyStack.

It works because it's fun!

Learning how to manage money feels hard, even for adults. Doing and playing are powerful ways kids can learn quickly and independently.

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Without GravyStack... With GravyStack...

64.5%

64.5% of college students run out of money before semester end at some point in college. With the GravyStack Money Machine, kids always know what their money situation is and learn how to improve it.

36.6%

Only 36.6% of teenagers aged 16–19 work. How can we expect them to manage money if they don‘t have money to manage? GravyStack’s three jar system teaches kids to only spend the money they actually have in their Spend Jar. GravyStackers also learn the pitfalls of credit and loans.

Finances are a mess in the US. Fixing finances one family at a time.

$16,048

On average, U.S. households have $16,048 in debt. Kids as young as 8 years old are already making and managing money and setting up their spend, save, and share jars inside of GravyStack.

We want to change that. Early learning causes lifelong benefits.

Let's play.

Learn About the world of windfall.

The world of Windfall places kids in the hero seat! Along with the Windfall guardians, kids tackle real-world issues like budgeting, saving, sharing with charities, and investing in order to protect the citizens of Windfall from the evil deeds of the villain, Greedymon

Explore Windfall

Ten core financial concepts guide the first ten game levels of Windfall. Each level contains 10 unique and fun missions that help kids master each level and play their way to real financial independence.
Kids gain confidence by facing real-world challenges independently, and get to compete with friends on skills that really matter.
Parents watch as their kids' behaviors and choices evolve through the lessons learned while playing the game, and work to master all 100 Missions, ultimately earning their Certificate of Financial Literacy.

Objective: Save
Big Savings Beach
Play alongside: Green Gecko
The #1 pillar of financial health is saving. GravyStackers learn to both save and practice delayed gratification, deciding not to get something now so they can get something better later. Big Savings Beach lays the foundation for real financial freedom.
Objective: EARN
Earn Ice City
Play alongside: Purple Penguin
Money is earned by creating value in the world around you. GravyStackers learn to earn by paying themselves first as they find and fill needs. Earn Ice City sets into motion both grit and self-confidence.
Objective: Spend
Spending Woods
Play alongside: Bronze Bear
The secret to building wealth is spending less than you make. Indeed, money looks better in your bank account than on your feet! GravyStackers conquer missions like the Broke Celebrity Challenge, which reminds us that regardless of how much you make, you can still overspend and lose it all!
Objective: Share
Share Ranch
Play alongside: Silver Bull
It’s better to give than receive, and we’re much happier when we’re generous. GravyStackers learn to make an impact on others now and even pick and support their favorite charity.
Objective: Invest
Investment Springs
Play alongside: Fire Wolf
Time is more valuable than money! Investing is often misunderstood and feared by young people because they've never been taught the what, how, and why of investing. Investment Springs teaches kids to win with time and patience and gives them the basic tools to start making money work for them (compound interest).
Objective: Protect
Protect Crystal Park
Play alongside: Diamond Dragon
The safety of our kids will always be our #1 priority. Protect Crystal Park gives GravyStackers and their parents the tools to protect against bad actors and protect their money when unexpected things happen.
Objective: Borrow
Borrow Kingdom
Play alongside: Rainbow Unicorn
Every time you borrow money, you’re robbing your future self! There’s a reason that our young people are strapped with $2 trillion in student loan debt! The Borrow Kingdom helps kids understand what loans and credit are, how much they cost, and how to steer clear of bad borrowing choices.
Objective: Create
Create Ocean Festival
Play alongside: White Whale
Do what you love and you’ll never work a day in your life. The Create Ocean Festival will help GravyStakers discover their sweet spot (passion + gifts + need in the world) and impact the world. That’s right… you don’t have to wait until after high school or college to figure this out!
Objective: Character
Character Traits Canyon
Play alongside: Golden Eagle
Character is the one required ingredient to future-proof our kids. The good news is that it’s also something every GravyStacker can grow and develop. Character Traits Canyon lays the foundation for personal responsibility, resourcefulness, kindness, bravery, and gratitude.
Objective: Skills
Life Skills Avenue
Play alongside: Mogul Monkey
What basic life skills do you wish you’d learned as a kid? Life Skills Avenue will pave the way for crucial life skills like changing a tire, creating your resume, negotiating, and much more. This is the final level to conquer before GravyStackers earn their Certificate of Financial Independence!