Kroni vs Gimi: chores, demo accounts and bank connections

Short answer: both can work without a bank connection

Gimi has a demo account as well as supported bank connections. Kroni always uses a virtual balance. Choosing between them is therefore about the features your family needs, not simply whether your child has a bank account.

We make Kroni. This comparison was reviewed on September 29, 2026 using Gimi's published help pages and parent guide. We have not performed a hands-on test of Gimi. Check local availability, plan terms and bank eligibility before choosing.

Comparison table

Criterion	Gimi	Kroni
Money model	Demo balance or a supported linked bank account	Virtual balance; no bank connection or card
Chores and allowance	Chores and weekly/monthly allowance listed as free functions	Paid or unpaid chores; scheduled allowance can be separate
Bank connection	Listed as a Pro feature; partner-bank offers may apply	No bank connection
Chore setup	Parents add their own chores or pick one of Gimi's chore packages	Age-based starter chores, plus the ones you write
How the child gets chores	Kids can suggest chores themselves	Kids see chores in their own app or in child mode, and can suggest new ones with a price
Follow-up	Parents approve completed chores	Parents choose which chores require approval or a photo
Rewards	Savings goals	Family-defined rewards and saving goals; kids can wish for rewards
Price as of September 2026	Free functions and Pro; check local subscription and partner-bank terms	Free for one child and five active chores; US Family plan from $2.50 a month on the yearly plan

Gimi sources: demo versus linked accounts, free and Pro functions, adding chores, the parent guide and how it works. This table compares published features, not reliability, learning outcomes or bank coverage.

Gimi's demo account and bank connection

The demo account keeps a fictional balance; it does not transfer real money. With a linked bank account, Gimi displays real funds held at the bank. Gimi's setup guide lists demo accounts, chores, allowance and learning without the Pro marker, while bank linking is marked Pro.

That means Gimi can be relevant before a family wants a bank connection. If you want real account information or financial-learning features in the same app, check whether Gimi supports your bank and which plan you need.

How Kroni works

• Virtual balance. The family chooses a currency or virtual unit. Kroni records it without moving real money.
• Starter chores. Start from chores that suit your child's age, and add your own whenever you want.
• Flexible allowance. Schedule a fixed allowance, leave everyday chores unpaid or add paid extra jobs.
• Optional approval. Choose which chores an adult reviews. For those chores, any reward is added after approval.
• Photo proof where you want it. On the chores where you ask for one, kids can snap a picture of the tidy room or the emptied dishwasher. It makes the "but I did do it" conversation a lot shorter.
• The child's own view. A paired child device, or child mode on a shared family device, shows the child their own chores, balance and rewards. Kids can also suggest a chore and what they think it is worth, so it reaches you already filled in.
• Streaks and celebrations. The child sees their current chore streak, and an approved chore opens a small celebration.
• Rewards you decide. Define rewards together, such as screen time, a trip to the cinema or an agreed purchase outside the app. Kids can also wish for rewards, so you are not left guessing what motivates them.
• Both parents included. Adults in the same family see the same record, and either of you can approve.
• Free to download. The US Family plan is $3.99 a month or $29.99 a year, equivalent to $2.50 a month, for unlimited children and chores. Local store prices and terms apply.

The free plan includes one child and five active chores. Kroni is available for iPhone, iPad and Android. The allowance-app guide explains the balance; the chores guide shows how to organize tasks.

Which is worth trying?

Consider Gimi if its learning features or supported bank connection are important to you. Its demo account is also an option for bank-free practice.

Consider Kroni if you want virtual balances, family-defined rewards and flexible chore approval without a bank product. Try your actual weekly agreement on the free plan before deciding whether Family is useful.

Age alone does not decide between the apps. Compare the child's access to a device, the help they need from an adult and what the allowance covers. Neither a fictional balance nor a chore checklist is a substitute for a real payment method when the child needs to shop independently.

For more choices, see Kroni, Greenlight, Gimi and Rooster Money compared. If you mainly need an amount to discuss, start with the allowance calculator, noting its US data and USD examples. For a simple shared list, try the printable chart.