Goalsetter is the free mobile banking app and debit card for kids and teens that focuses on educating the next generation with fun, culturally-relevant financial quizzes that will start them on their path to financial freedom. No matter if you're a teen wanting financial independence, or a parent wanting to start saving with their kids - we have features and accounts for every need.

Did we mention we're free?

Teens and kids can:
- Get your own Debit Mastercard
- Send and receive money instantly
- Earn up to $100 for each friend you refer
- Play financial quizzes based on memes and pop-culture
- Save for the goals you want
- Never have to worry about missing your allowance
- Shop Online

Parents can set up amazing features that can:
- Round-up your kid's change on every transaction to save for their goals
- Start auto-allowance, so you never have to worry about remembering to give them their lunch money
- Turn on the "Learn Before you Burn" rule and their card will turn off Sunday at noon if they haven't taken their financial literacy quiz for the week
- Give your kid's a weekly budget and help them stick to it
- Link your kid's chores to their allowance; so you can approve in app if they did their chores, and they'll only receive allowance once you do

*Winner of JP Morgan Chase Financial Solutions Lab 2018*
*Winner of Morgan Stanley Innovations Lab 2018*
*Winner of FinTech Innovation Lab 2019*

Goalsetter uses 128-bit encryption and is backed by the biggest names in the financial industry. We do not store any of your personal information and do not move money without your authorization.

Cashola Prepaid Debit Mastercard is issued by MetaBank®,N.A., Member FDIC pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Fees may apply. See terms and conditions for details.



What’s New

Version 5.1.3

With Goalsetter Invest, the whole family is able to learn about investing, buy stocks or EFTs, and start building their wealth.

The kids and teens in your life will still be able to save for their goals, earn allowance, receive money or stocks as gifts, and get their own (parent-controlled) debit card.

Kids who have savings accounts are 6X more likely to go to college and 4X more likely to own stocks as young adults, so let’s get every kid we love started on their path to financial freedom!

Ratings and Reviews

4.3 out of 5
1K Ratings

1K Ratings

Apruiett ,

Issue resolved

I downloaded this app specifically for the round up rule. I connected my bank account and waited for funds to start being added when I made purchases, but nothing happened. I sent multiple emails asking for help as it was not working and nothing was being deposited in my kids goal accounts. After several weeks and MULTIPLE emails I sent one last email asking them to cancel my account and threatened to contact the BBB. I finally received a response stating my email must have been “lost in a black hole” and they canceled my account as requested. I find this so frustrating as I had sent so many emails and all I wanted was help fixing an issue. I would have been a long time customer had someone helped me. Very disappointed! I’ll be using stash from now on!

I am changing my review as the CEO has reached out to me and rectified the situation. She reached out by email and even provided me with her personal cell phone number. She apologized and even gave my kids a free goalcard for my troubles. I am now giving the app another try and so far so good. I really do think this app is a fantastic way to save for your children which is why I did not hesitate to give it another try once my issues had been resolved. Thank you goalsetter for reaching out to me, it is appreciated more than you!

Developer Response ,

Hi Apruiett...I'm so sorry that you had this experience with us. We had a few weeks of significant growth that were unexpected, and the result was that we disappointed you and let you down. And as a result, we let your kids d own, because the whole reason we exist is to make saving easy and fun for kids. As the founder and CEO of Goalsetter, I take personal responsibility for this disappointment, and would love to ask you for a second chance to prove that we can, and will, do better. Whether you decide to give us one - or just want to vent - you can contact me directly at, and I'll listen and respond to your concerns immediately. I'll even get on a call with you and take your feedback - or tongue-lashing - directly, because it's how we will grow and evolve. I apologize, again, and want you to know that we're fixing this problem, and that's because you made us pay attention to it. Thank you for doing so.

K. Jinaki ,

Highly recommend! It’s helping the whole family reach our financial goals!

While I was raised by two fabulous parents, fiscal responsibility wasn’t necessarily prioritized. Perhaps it was because there wasn’t that much money to begin with! While I learned the hard way how to manage money, I still dropped the ball when it came to teaching my children the lessons I learned the hard way. That’s why I absolutely love the Goalsetter app! It’s really helped me engage with my kids about money. It sparks conversations about what they’re doing with their money and why. I recently ordered the Cashola card for my 14-year-old son, and it’s been amazing. He’s really cognizant of his spending, and we really love the regular “lit quizzes” that he takes to enable the use of his cards We do the questions (which are great!) together and have a good time. I think I’d been so lax about teaching my kids about spending and saving because I didn’t have a blueprint or guide, but Goalsetter has served that purpose. And while this has been about my kids, the app is helping me better shape my own financial goals and rethink some of the fiscal decisions I’ve made. We are becoming much more intentional about money as family and this app – and the Cashola card – has help immensely. I highly recommend this!!!

djred95 ,

Great Way to Financial Literacy

I opened up a Goalsetter account for my granddaughter a few months ago. I have been so happy with the results. I like the flexibility of having money transfer over easily and feel the whole premise of Goalsetter is to educate young people. Honestly this information is nothing that I would’ve learned as a young child. I love the fact that there is an age-appropriate quiz every week. My granddaughter is five and when we’re together she tells me not to forget that we have to do her quiz for the week. She is excited to learn new money ideas. Most kids love toys. The app gives them the idea that if they get an amount of money for a gift, maybe they should put half in the bank. Now I’m told I know we can’t get a toy every time we’re together, because I need to save some money too. I’m so happy I found Goalsetter. It is never too young to make smart decisions. It is much easier later than to make informed decisions. For the kids it’s done in a way that’s fun also. Thanks again, Goalsetter.

Developer Response ,

Hi there! We very much appreciate your feedback and kind review. It is so nice to hear that young kids are getting so involved in financial literacy and we love to be a part of that, along with friends and family members (like you!) always incentivating kids to take it one step further. We are so glad to learn she is now always trying to save for her more long-term goald and we hope that Goalsetter helps your granddaughter (and all other kids) to grow into a bright future!

Thanks again for your kind feedback. Please feel free to reach us at if you ever have any feedback or need any help.
Have a great weekend ahead

App Privacy

The developer, Goalsetter, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • User Content
  • Identifiers
  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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