Fun and family-friendly, the finance app Goalsetter helps you and your loved ones build good fiscal habits across generations.

What we love: Real mobile banking tools—a savings account and debit card—give kids firsthand experience with budgeting and spending, while games and clever pop culture quizzes foster financial literacy. Parents can pay allowances through the app and reward kids with small payments every time they answer quiz questions correctly. Friends and family can also contribute money or gift cards for birthdays, holidays, and any other milestone.

Quick tip: Use Goalsetter Gold to open a brokerage account, begin investing in your (or your child’s) portfolio, and brush up on stock market knowledge. If you need help understanding an investment concept, tap the graduation cap on the top right of the screen for a quick explainer.

Meet the creator: Goalsetter founder and CEO Tanya Van Court was inspired to create the app after her daughter said she only wanted two things for her ninth birthday: a bike and enough money to start an investment account. “I thought, ‘If we can get every kid to say that, we can change the world,’” she says.