Kidough

Financial Literacy & Youth Banking Softwarekidough.org

Kidough is a mobile allowance application operated by Teach Money LLC that teaches children ages 8-18 financial literacy through hands-on money management using linked bank accounts, a child debit card, and companion parent and child apps, sold to families on a subscription basis.

Company typePrivate
Founded2021
HeadquartersLittleton, United States
Headcount1–10
GTM typeB2C
OfferingSoftware

What Kidough does

Kidough is a mobile allowance application operated by Teach Money LLC, a privately held LLC domiciled in the United States and headquartered in Littleton, Colorado. The company targets families with children ages 8-18, offering a hands-on financial literacy system built on what it describes as a 40-year research-tested methodology. The product positions itself as on-the-job money training rather than direct instruction, aiming to build financial responsibility and confidence through practice with real funds.

The product ecosystem consists of two companion apps (a Parent App and a Child/Teen App), a co-branded debit card issued through banking partners, and supporting features such as a promissory note system for teaching borrowing and interest concepts. Parents register on behalf of children, link bank accounts, set up automated allowance payments, and monitor transactions in real time; children manage their own funds, set savings goals, and learn spending and budgeting through real-world use of the debit card. Distribution is self-serve via iOS/Android apps and a web-based parent portal, with banking/debit card rails provided by partner institutions.

Kidough operates a product-led, direct-to-consumer subscription model and is currently in an early-access phase, offering the first 1,000 families one year of free access via a waitlist. Marketing relies on the company website, educational webinars, email campaigns, and organic social media (Instagram, Facebook, Twitter, LinkedIn). The company is privately held with no disclosed external funding, no disclosed revenue, and a headcount of 1-10 employees; Jessica Schulze is identified as co-founder.

Kidough firmographics

Firmographics

Name: Kidough
Legal name: Teach Money LLC
Website: https://kidough.org
Company type: Private
Founded year: 2021
Operating status: Operating
Headcount range: 1–10 employees
Short description: Kidough is a mobile allowance application operated by Teach Money LLC that teaches children ages 8-18 financial literacy through hands-on money management using linked bank accounts, a child debit card, and companion parent and child apps, sold to families on a subscription basis.
Ownership category
akta.pro rank

Kidough industry classification

Industry

Product category: Financial Literacy & Youth Banking Software
NAICS: Sales Financing (52222)
SIC: Personal Credit Institutions (6141)
akta.pro primary industry: Youth / Family Wallets & Allowance Payments (FSAMAEAK)
akta.pro secondary industries: Parent-Facing Home Learning & Family Engagement Apps (EDACANAK), Student & Youth Banking (FSABAAAH)

Keywords

Financial literacy app
Mobile allowance app
Children's banking app
Parental money controls
Youth debit card

Where Kidough is headquartered

Location

Headquarters

HQ city: Littleton
HQ country: United States
HQ region: North America

Markets served

Kidough business model

Business model

GTM type: B2C
Offering type: Software
Cost components: Technology or R&D, Operations, Marketing or Sales, Personnel, Others

Revenue model

Family Subscription: The company operates on a subscription model where families pay for access to the allowance management app and associated banking services. Early adopters (first 1,000 families) receive one year free access.

Pricing tiers

Model	Billing	Price
Freemium	Annual	Early Access - Free first year
Subscription	Annual	Standard Subscription - Pricing TBD

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Kidough product offering

Product offering

Core offering

Kidough provides a mobile allowance app ecosystem that gives children ages 8-18 their own bank account with a debit card and a structured, 40-year research-based system for learning financial responsibility through hands-on experience with real money. Parents use a companion app to set up allowance agreements, automate payments, and monitor transactions, while children manage spending, savings goals, and (optionally) promissory notes for borrowed funds. The service is sold as a family subscription, with the first 1,000 families offered a free first year through an early-access waitlist.

Product overview

Kidough is a single unified mobile allowance app ecosystem designed for families with children ages 8-18. The product consists of two companion apps (Parent App and Child/Teen App), a co-branded debit card, and supporting financial literacy tools including a promissory note system for teaching credit concepts. The system is operated by Teach Money LLC dba Kidough.

Differentiator

Problem solved

Functional benefit

Products and services

Kidough Mobile Allowance App

Quantifiable outcome

Builds financial responsibility and confidence in children through 40 years of tested methodology

Companies that use Kidough

Customer profile

Segments2 records

Ideal customer profiles1 record

Kidough technology and API

Technology

Technology focussed Yes

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Feature4 records

Kidough partnerships and signals

Strategic signal

Partnerships

One partnership is on record.

Banking/Debit Card Service ProviderscoreTechnology or Integration

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Kidough competitors and assessment

Company assessment

Direct peers

Current: Current offers a teen and family banking platform with debit cards, parental oversight, and financial literacy tools — directly overlapping Kidough's parent/child app and debit card model.
Greenlight: Greenlight is a leading debit card and financial literacy app for kids and teens, with parental controls and money management features directly comparable to Kidough's offering. It is the most-funded direct competitor in the youth banking allowance category.
GoHenry: GoHenry is a prepaid debit card and financial education app for kids 6-18, with parental controls and money management lessons — a direct competitor in the youth allowance/education category.
Step: Step is a teen banking app with a debit card and credit-building features targeted at under-18 users, closely aligned with Kidough's allowance-plus-financial-education positioning.
FamZoo: FamZoo is a family finance management and allowance app with prepaid cards and parent-managed sub-accounts, serving a similar use case to Kidough with a longer DIY-leaning history.
BusyKid: BusyKid combines chores, allowance, and a debit card for kids with parent oversight, overlapping Kidough's allowance-plus-real-money-experience model.
Copper Banking: Copper Banking is a teen banking app with a debit card and financial literacy content, targeting a similar 13-18 segment that Kidough also serves.

Broad incumbents

Acorns (Early / Acorns for Kids): Acorns is a broader consumer investing app with features specifically for kids and families, providing financial education-adjacent content and custodial investing — a broader incumbent that touches Kidough's category.

Regional players

Greenlight + Step Bank: Step's banking operates within a distinct regulatory footprint but targets the same US teen debit/credit-building segment; included as a regional-style overlap given the differing bank charter strategy relative to Kidough.

Emerging players

UNest: UNest is a youth-focused savings and investing app for parents and kids, with custodial accounts and educational content — overlapping Kidough's financial literacy mission but pivoting toward investment rather than allowance.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Kidough compliance and trust

Trust signal

Compliance3 records

Kidough financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Kidough leadership team

Management profile

Number of profiles

Profiles1 record

Kidough funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Kidough M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kidough

What does Kidough do?

Is Kidough a public or private company?

Kidough is a private company. It is classified as founder individual operated bootstrapped and is currently operating.

When was Kidough founded?

Kidough was founded in 2021. It employs 1 to 10 people.

Where is Kidough based?

Kidough is headquartered in Littleton, United States, in the North America region.

How does Kidough make money?

One revenue line is on record: family Subscription.

Who are Kidough's main competitors?

Direct peers on record are Current, Greenlight, GoHenry, Step, FamZoo, BusyKid and Copper Banking. Acorns (Early / Acorns for Kids) is listed as a broad incumbent. Greenlight + Step Bank is listed as a regional player. UNest is listed as an emerging player.

Does Kidough have an API?

No public API is recorded for Kidough.

What industry is Kidough in?

Kidough's product category is Financial Literacy & Youth Banking Software. Its primary akta.pro industry code is FSAMAEAK, Youth / Family Wallets & Allowance Payments, with a secondary code of EDACANAK, Parent-Facing Home Learning & Family Engagement Apps. Its NAICS code is 52222 and its SIC code is 6141.