Investing without a card
Bonds with the real euro area history since 1991, simulated stock funds (and labelled as such), deposits with compound interest and a penalty for early withdrawal. Points, not money.
Free · No ads · No cards
Their first savings start at home
Every chore earns points. They pick a reward or invest them in funds that rise and fall like real ones. They learn to wait and to take sensible risks, with no cards and no real money.
Learning about money shouldn't cost money
Many chore apps charge before a family has had the chance to try them: approving chores or adding a second kid is already paid.
And the ones that teach saving and investing do it with a real card: fees, identity checks and transfers that fail. Too much for a ten-year-old.
How it works
They do their chores
Each kid has their own and ticks them with their avatar and PIN, on the family tablet or their own phone.
You approve them
One tap and the points arrive. If something isn't done, send it back with a reason.
They decide what to do with their points
A family reward, or invest them and watch them grow… or drop, just like the real thing.
What makes CreaTribu different
Actually free
Chores, approvals, rewards and investing: the whole family loop, with no trial that runs out.
One tablet for the whole family
Kids don't need a phone or an email: avatar and PIN on any device at home. Adults have a PIN too, so nobody approves their own chores.
Grows with them
The coin sprout evolves with every level and, from level 3, each kid builds their avatar with what they earn.
Also: Streaks, levels and badges · Weekly ranking · History of every point · Spanish and English · Installs like an app
What it looks like
Price
Family
€0free during the beta
- Every feature, for the whole family
- No ads
- No card needed
If that ever changes, we'll tell you well in advance.
Questions we get
Is it real money?
No. They are points earned at home: nobody pays in or takes money out, there's no card and no bank. If points are worth something in your family, that's between you.
Where do the ups and downs come from?
Bonds replay the real euro area history (ECB data since 1991). Stock funds use simulated data, and the app says so. Deposits pay the rate you set. What happened in the market doesn't tell you what will happen.
Do the kids need a phone or an email?
No. They sign in with their avatar and a 4-digit PIN on any family device. Only adults use email.
What do you keep about the kids?
Their name, the avatar drawing they pick and their birth year. No email, no photos.
Does it work on iPhone and Android?
Yes, in the browser, and it installs on the home screen like any other app.
How much does it cost?
Nothing while it's in beta. No ads and no card needed.
Can we delete our data?
Yes. Whoever created the family deletes it from Settings, with everything in it, after seeing exactly what will go.