Give your teen financial reps before real life does it for you

Parents set up a practice credit account where teens learn to manage balances, make payments, and build a Credit Readiness Score — without a real card or real debt.

MoneyReps
🧒
Child
🔔 ⚙
Rep Card
Riley
MoneyReps
Current Balance
$106.56
Credit Limit
$500
APR
15.0%
Cash Back
2.0%
This Month's Charges
Running tab — not yet billed
$106.56
Shoes
2026-06-30
$55.67
Coffee Shop
2026-06-30
$5.89
Cell Phone
2026-06-30
$45.00
MoneyReps
🧒
Child
🔔 ⚙
📋
Statement Due
Due 2026-07-10 · Due in 10 days
Charges This Month
Shoes$55.67
Coffee Shop$5.89
Cell Phone$45.00
New charges total$106.56
Statement Balance$106.56
Statement Balance
No interest · Earn $2.13 cash back
$106.56
Minimum Due
Interest charges apply · No cash back
$10.00
Pay $106.56 in Full →
MoneyReps
🧒
Child
🔔 ⚙
Credit Readiness Score ⓘ
300 850
724
Good
Very Poor Fair Good Excellent
Why Your Score Went Up
+20 — Paid in full — early!
You paid before the due date — no interest charged, cash back earned, score goes up.
MoneyReps
🧒
Child
🔔 ⚙
⚡ Settle Up
One-off money exchanges with your parent
+ Request
Lunch
Your parent owes you · 2026-06-30
$7.77 Pending
Cash Back Rewards
Earned by paying in full
$1.28
available
Redeem your rewards
2 Hrs Extra Screen Time
5.0 cash back requiredNeed $3.72 more
Cashback
25.0 cash back requiredNeed $23.72 more
Now in Beta

Join the waitlist — free during beta

✅ You're on the list! We'll be in touch soon.

Already have a beta code? Sign up now →

Why we built this

"My oldest daughter is heading into high school — and I realized she had never once paid a bill."

She knew money existed. She'd watched us swipe cards and open mail. But she'd never felt the pressure of a due date, never had to decide how to handle a balance, and never experienced what it means to actually owe something to someone.

I'm a dad of three girls, and I want all of them to enter adult life ready — not overwhelmed. So I built MoneyReps: a way to give them real practice rounds while I'm still around to help. Real reps, before the real thing.

👨
Ben, Founder of MoneyReps
Dad of three daughters who will be ready
Parent dashboard

You're the coach. This is your playbook.

You define the rules. MoneyReps handles the execution.

app.moneyreps.app
MoneyReps
👤
Dad Parent 🔔 ⚙ Settings Sign out
Parent Dashboard
Manage Rep Cards and Settle Up with your family.
👤
Riley's Rep Card
Score: 670  Rewards: $1.28
Preview Edit Card
Current Balance
$106.56
Credit Limit
$500
Statement Day
Day 1
10d to pay
(3 charges queued)
This month's charges (pending)
Shoes $55.67 Edit ×
Coffee Shop $5.89 Edit ×
Cell Phone $45.00 Edit ×
Recurring charges + Add
No recurring charges set up. Add Netflix, Spotify, etc.
📅 Scheduled Charges
Cell Phone
Next: 2026-07-30 · Monthly
$45.00 ×
Riley — Past Statements
MoneyReps
🧒
Child
🔔 ⚙
Rep Card
Riley
MoneyReps
Current Balance
$106.56
Credit Limit
$500
APR
15.0%
Cash Back
2.0%
This Month's Charges
Running tab — not yet billed
$106.56
Shoes
2026-06-30
$55.67
Coffee Shop
2026-06-30
$5.89
Cell Phone
2026-06-30
$45.00
Credit Readiness Score
300 850
724
Good

You set the parameters

Credit limit, APR, billing cycle, cash back rate — you decide exactly how the account works. Set it up once and the card is live.

MoneyReps runs the playbook

Recurring charges land on schedule automatically. Statements generate themselves. Notifications go out the moment a charge hits. The Credit Readiness Score updates in real time — no manual work required.

Log charges in 3 quick steps

Just filled up their tank? Split the grocery run? Log it in seconds from your phone — no laptop required. Your teen gets a notification the moment you hit save, just like a real cardholder would.

You stay in the loop

Every charge, payment, and statement lives in your dashboard — on desktop or mobile. You get email alerts when your teen pays. Step in any time you want, or let the system do its job.

How it works

The reps, explained

MoneyReps mirrors how a real credit card works — so none of it is a shock when the stakes are real.

💳
Step 1

Set up their Rep Card

You choose the credit limit, APR, billing cycle, and cash back rate. Your teen gets a simulated credit card that behaves exactly like the real thing — because it's built exactly like one.

⚡
Step 2

Charge it

Log a charge any time — a gas fill-up, a grocery run, their phone plan. Your teen gets an email the moment it hits their card, just like a real cardholder would. You can even schedule recurring charges so the balance builds month after month.

📄
Step 3

Statement arrives

At the end of each billing cycle, a statement is generated with every charge listed out. Your teen reviews it, sees the total due, and pays you back — however your family handles money transfers.

🎯
Result

Score goes up

Pay in full and on time and their Credit Readiness Score climbs (300–850, same range as a real FICO score). Pay late or carry a balance and it drops — with zero real-world consequences while they learn.

Features

Every rep your teen needs

MoneyReps covers the full playbook — credit cards, scores, statements, cash back, and the money that flows back and forth in a family.

💳

Rep Card — a real credit card simulation

Set a credit limit, APR, billing cycle length, and cash back percentage. Your teen's Rep Card behaves exactly like an adult credit card — because it's built to work the same way.

🎯

Credit Readiness Score (300–850)

Their score moves like a real credit score. Pay on time and in full — it goes up. Miss a payment or carry a balance — it goes down. No real-world damage, but the lesson lands the same way.

Core Feature
📧

Charge notifications every time

The moment you log a charge, your teen gets an email — amount, description, new balance, and a link to their dashboard. They feel every charge before the statement ever arrives. Just like adults do.

📅

Recurring & scheduled charges

Set a charge to fire weekly, biweekly, or monthly — and it runs automatically. Phone plan, Netflix share, gas budget — schedule it once and let the reps stack up on their own.

📄

Monthly statements

At the end of each billing cycle, a statement is generated with every charge itemized. Your teen sees exactly what they owe, learns to review charges, and pays the balance — just like adults do every month.

🏆

Cash back & rewards menu

Pay the statement in full and your teen earns cash back. You set what they can spend it on — actual money, extra screen time, a coffee, whatever works for your family. Incentives that actually motivate.

⚡

Settle Up

Did your teen grab groceries for the family? Did you cover something they owe you back? Settle Up tracks all of it — both directions — with receipt photos and one-tap resolution. No more "I thought you paid me."

💸

Pay however you want

MoneyReps doesn't touch your money. Payment happens however your family already does it — cash, Venmo, Zelle, bank transfer, whatever. The app tracks it. You handle the actual transfer.

👨‍👩‍👧‍👦

Whole family, one account

Add multiple teens, a co-parent, or a college kid you're still supporting. Each one gets their own Rep Card with their own settings. One flat price covers everyone.

Who it's for

Built for the gap between allowance and adulthood

MoneyReps works best when your kid is old enough to handle real responsibility — but young enough that you can still coach them through the mistakes.

For Parents

Stop dreading the day they're on their own.

Run the reps now, so you know they're ready when it counts.

  • Set a real credit limit, APR, and billing cycle for each teen
  • Log charges and watch them feel the balance build
  • Review statements and track their payment history
  • Set up rewards that motivate them to pay in full
  • Works all the way through college — even when they're gone
For Teens & College Students

Practice before the real thing.

Get the full credit card experience — without it wrecking your life if you mess up.

  • Get an email every time your card gets charged
  • Watch your balance grow and learn to manage it
  • Pay your statement on time and watch your score climb
  • Earn cash back for paying in full
  • Build the habit before it actually matters
Pricing

One family. One flat price.

Every teen, every Rep Card, every statement — covered under one subscription. No per-child fees, no limits.

Monthly
$6.99
per month
 
  • 2 parents or guardians
  • Up to 6 kids — need more?
  • A practice credit account for each teen
  • Charge notifications & statements
  • Credit Readiness Score
  • Cash back & rewards menu
  • Cancel anytime
Get started
Annual
$49.99
per year
Just $4.17/mo — save over $33
  • Everything in Monthly
Plus
  • 12 months to build habits that actually stick
  • Early access to new features
  • Lock in the launch price forever
  • Cancel anytime
Get started
Early families

Parents are already running the reps

Here's what beta families have experienced in the first few weeks.

❝

My son started asking me what was being charged before the statement even came. He tracks his balance now. I've been trying to teach him financial awareness for 16 years — MoneyReps did it in three weeks.

👨
Marcus T.
Dad of 2 · Beta user
❝

My daughter paid her statement early because she wanted her cash back before the weekend. I didn't have to remind her once. The incentives are built right into the system — it just works.

👩
Sarah M.
Mom of 3 · Beta user
❝

She came to me upset that her credit score dropped after a late payment. I explained why — and watched it click. That conversation was worth the whole subscription. She's never been late since.

👩
Jennifer K.
Mom of 1 · Beta user
FAQ

Good questions.

The Rep Card is a simulated credit card that lives inside MoneyReps. As the parent, you set a real credit limit, APR, billing cycle length, and cash back percentage. You log charges to the card (gas, groceries, phone plan, anything), and your teen gets an email each time — just like a real cardholder would. At the end of the billing cycle, a statement generates and your teen pays the balance. No actual bank accounts, no real credit reporting — just the full experience without the real-world consequences.
The Credit Readiness Score runs on a 300–850 scale — the same range as a real FICO credit score. Paying in full and on time is the single best thing your teen can do to raise it. Paying late or carrying a balance causes it to drop, just like in real life. The score gives teens a concrete, trackable number that shows them exactly how their payment habits translate into creditworthiness — before it ever affects a real credit file.
MoneyReps doesn't handle money — it tracks it. When a statement is due, your teen pays you back however your family already does it: cash, Zelle, Venmo, bank transfer, whatever. They then log the payment in the app to mark it paid and update their score. No financial accounts connected, no platform fees, no lock-in.
MoneyReps is built for teens and college students — roughly ages 13 to 22. The sweet spot is a teen who's old enough to have some spending money and a sense of financial responsibility, but young enough that you can still coach them through the mistakes. It also works well for college students whose parents are still covering some expenses and want to track everything in one place.
Settle Up handles any money that flows back and forth between you and your teen outside the Rep Card — in either direction. Your teen grabbed groceries for the house and wants to be reimbursed? They submit a Settle Up request with an optional receipt photo. You covered something they owe you back? You submit one too. Both sides get notified, and when it's handled, one tap marks it settled. It turns the constant "wait, who owes who what?" into a clean running ledger.
MoneyReps is currently in invite-only beta. Join the waitlist above and we'll send you a beta code when your spot is ready. Already have a code? Head to moneyreps.app/signup to create your family account and set up your first Rep Card.

Start the reps before real life does it for you.

Join families already training their teens with MoneyReps.

No spam. Just a heads-up when your spot is ready.