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Acorns Early
Grow kids’ money skills
The smart money app and debit card for kids
Acorns Early teaches kids how to earn, save, spend, and invest. Plus, Maple customers get $25 free allowance when you join!
Get Acorns Early
First time Acorns Early customers are eligible to receive $25 free allowance into their Parent Account if they (1) open a new Acorns Early Customer Account; and (2) activate their parent and child account.
Limited time offer. This offer is valid between 00:01 EDT on 04/28/2026 to 23:59 EDT on 08/28/2026. See full terms and conditions here.
Limited time offer. This offer is valid between 00:01 EDT on 04/28/2026 to 23:59 EDT on 08/28/2026. See full terms and conditions here.
Why parents choose Acorns Early
You don’t have to be a financial expert to raise one. That’s why Acorns Early makes it easy to teach, guide, and invest for your kids’ futures — so their money and money skills grow into confidence they can carry when it’s their turn to lead.
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How it works
With Acorns Early, kids learn how money works by earning, saving, and spending in real life — from allowance to chores to their first debit card. Parents stay in control with limits, instant transfers, and real-time alerts — all in one simple, secure app.
Earn & manage money
Through chores and allowance in the app, kids start to build smart money habits
Stay in the know
Real-time notifications tell you when and where kids spend
Savings, stashed
Set customized savings goals in the app—and choose to lock them in to teach kids the power of saving
Get the answers
In-app money lessons help kids learn about wider money topics—so don’t be surprised if Buy Now Pay Later comes up at the dinner table!
A kids' debit card built for their safety — and your confidence
Bank-level encryption
Chip and PIN-protected transactions
Acorns Early blocks unsafe spending categories
Secure PIN recovery in the app
FDIC-insured up to $250,000 through a partner bank
Zero Liability Protection by Visa®
Real-time spending notifications
Easily block and unblock cards
Spending, sending, giving, and more
The Acorns Early debit card and learning app for kids is designed to help families learn about money together. With customized apps for parents and kids, it's easy to stay in control.
Safe to spend
Parents set limits and help kids get to grips with their budget. There's no overdraft fees, and you can even block or unblock cards, too.
Send money in a snap
Set automatic allowance payments and transfer money in an instant within the Acorns Early app.
Giving made easy
Set up donations to the Boys & Girls Club of America, or create a savings goal for a chosen charity.
Gifts and celebrations
Family and friends can send money straight to your kids' cards with with Giftlinks and Relatives account.
Automatic chores
and allowance
and allowance
With Acorns Early, paying allowance is easy for you and fun for kids. Set an amount in the app, the day you want to pay, and their allowance arrives on their card. Kids learn how to budget their money independently with cash on their card to spend, save, or gift.
To help kids learn about the power of earning, parents can set paid tasks in the app. As soon as kids tick them off, they'll automatically receive cash on their card. You'll also have the option to check tasks have been completed in-app before your child receives their money.
Get started
To help kids learn about the power of earning, parents can set paid tasks in the app. As soon as kids tick them off, they'll automatically receive cash on their card. You'll also have the option to check tasks have been completed in-app before your child receives their money.
Pricing
Acorns Early Lite
Start your kids’ money journey with a smart money app and debit card.
$8 monthly
Teach kids money skills
Smart money app & up to 4 debit cards
Automatic allowance and tasks
100+ educational Money Missions
Real-time spending notifications
For parents, only with Gold
Save and invest spare change w/ Round-Ups®
3.35% APY on your Emergency Savings
IRA with 3% match for your first year
Invest for your kids’ future with 1% match
And so much more!
Acorns Gold
All the expert tools to grow financial wellness — for you and your family.
$12 monthly
Teach kids money skills
Smart money app & up to 4 debit cards
Automatic allowance and tasks
100+ educational Money Missions
Real-time spending notifications
For parents, only with Gold
Save and invest spare change w/ Round-Ups®
3.35% APY on your Emergency Savings
IRA with 3% match for your first year
Invest for your kids’ future with 1% match
And so much more!
How to get started with Acorns Early
Ready to give Acorns Early a try? Sign up for a free trial and get access to all Acorns Early features free for 30 days. After your free trial, your monthly subscription will start for as little as $8 per month.
Follow these simple steps:
Download the app—kids can start learning through Money Missions instantly
Parents can set up allowance, tasks & add money to their child’s card
Your card will arrive within 5-7 days—don’t forget to activate it
Frequently asked
What age is an Acorns Early debit card for?
Acorns Early (formerly GoHenry) is for kids ages 6-18. It’s a great way for them to learn the value of money. Acorns Early helps kids develop healthy earning, saving, budgeting, and spending habits that will last a lifetime. Ultimately, we know that every family has a different approach to money and learning — so it’s up to you when you feel your kid is ready to give Acorns Early a try.
Where can you use Acorns Early debit cards?
Acorns Early debit cards can be used anywhere that Visa® is accepted. This includes online, in stores, and at ATMs.
Are kids' debit cards a good alternative to traditional bank cards and credit cards?
Acorns Early debit cards are for kids ages 6-18, which means kids under 18 can start learning about money before they are eligible for a traditional bank card and/or credit cards of their own. Plus, Acorns Early has features that traditional bank cards and credit cards might not have, such as instant transfers, chore tracking, and automatic allowances. And with real-time spend notifications, card locking, and spend category blocking, Acorns Early makes it easy for parents to stay in control.
Is Acorns Early included in an Acorns subscription?
Acorns Early is included in every Gold subscription. The Gold subscription also includes Acorns Early Invest, a flexible investment account for kids with a 1% match on up to $7,000 invested per year, Acorns Invest, an investment account with an expert-built, diversified portfolio, and Acorns Later, a retirement account with a 3% IRA match on up to $7,000 in new contributions your first year!