Kroni vs Gimi: which allowance app fits your family?

Short answer: one is about real money, the other about the chores that come first

Kroni vs Gimi usually gets framed as two versions of the same app. They actually solve different problems. Gimi is an app from Gimi AB that lets you connect your child's own bank account to the app. The balance your child sees is then real money in a real account. The money itself sits in the bank, not in the app. Kroni uses virtual coins. There is no bank account and no card in the app, and your family decides what a coin is worth at home.

If the goal is for your child to have real money in their own account, a bank-linked app is the natural pick. If the goal is to finally connect chores, nagging and allowance, that is what Kroni was built for.

Everything below about Gimi comes from gimi.com as of September 2026. Plans and pricing change, so check with them directly before you decide.

Comparison table

Criterion	Gimi	Kroni
What it is	An app from Gimi AB where the child's real bank account is linked inside the app	An app where kids earn virtual coins for chores at home
Real money?	The app can connect to the child's own bank account	No, no bank account and no card
Chore ideas	Parents set the chores up in the app	Age-based starter chores, plus the ones you write
How the child gets chores	Kids can suggest chores themselves	Kids see and suggest chores in their own app
Price as of September 2026	Gimi Free, or Gimi Pro from €2.99 a month	Free to download, a Family plan from $2.50 a month on the yearly plan

The table reflects what each app states about itself. We are not comparing quality, ratings or which banks are supported.

How Gimi works, briefly

Gimi is an app from Gimi AB that lets parents connect the child's own bank account to the app, so the child sees their own money. Parents set the chores up in the app, and the child can suggest chores themselves. Gimi also lists more than 40 lessons and challenges on personal finance. As of September 2026, Gimi's English site lists two plans: Gimi Free, and Gimi Pro from €2.99 a month.

That is as far as we go on Gimi here. For details on how the bank connection works in practice, their own site is the right place to look.

How Kroni works

Kroni starts at the other end. The chore comes first, not the account.

• Virtual coins. No bank account, no card, and no real money moving inside the app. Your family agrees what a coin is worth.
• Starter chores. You start from chores that suit your child's age, and add your own whenever you want.
• Your child gets their own app. It pairs with a parent's app, so kids see their own chores, their own balance and their own rewards. Kids can also suggest a chore and what they think it is worth, so it reaches you already filled in.
• Photo proof. 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.
• Streaks and celebrations. The app keeps track of streaks and celebrates an approved chore, so effort over time actually counts for something.
• Rewards you decide. You create them yourselves, whether that is screen time, a trip to the cinema or real pocket money. Kids can also wish for rewards, so you are not left guessing what motivates them.
• Both parents included. You see the same thing and either of you can approve.
• Free to download. A Family plan is $3.99 a month, or $29.99 a year which works out at $2.50 a month, and unlocks more kids and more tasks.

When Gimi is the better fit

A bank-linked app like Gimi is the right call when:

• Your child should have real money in their own account, and you want to see it in the same app as the chores.
• Your child is old enough for a bank account, and you are ready for money to be spent out in the world.
• You want personal finance lessons in the same app as the allowance.

Kroni does not cover this. There is no bank account in Kroni, and the app moves no real money.

When Kroni is the better fit

Kroni is the right call when:

• Your child is too young for a bank account, or you simply do not want to link an account to an app.
• The problem is the nagging, not the money. Chores, approval and reward belong in one flow.
• You want to see that the chore actually got done, not just that a box got ticked.
• You want to set the rewards yourselves and let your kids ask for new ones.
• There are two parents who both need to be able to follow up.

Who should pick which

• Ages 6 to 9: Kroni. A bank account is rarely on the table yet, and the motivation sits in the chore and the reward.
• Ages 10 to 14: Often both. Kroni to earn and agree at home, the bank to spend.
• Teens with their own account and card: A banking product covers most of the need. A clear agreement at home usually handles the rest.

If you want a wider view than these two, we put bank-linked kids' cards, paper charts, to-do apps and Kroni side by side in the full comparison.

How to choose without regretting it

1. Write the problem down in one sentence. "My child does not understand money" and "I have to ask five times" point to different apps.
2. Check the age rules. Kids' bank accounts come with their own requirements, and they vary by provider.
3. Start small. Kroni is free to download. Set up three chores this week, not ten.
4. Review after two weeks. If it works, keep going. If it does not, switch without feeling bad about it.

Whichever app you land on, it is the agreement at home that decides whether it works. The app just makes that agreement easier to keep. There is more in our posts on what works best out of stars, points and coins and 50 rewards that cost nothing.