Key Differences
Why families choose ChoreSplit over Step.
Chore & Task Management
Step: No built-in chore system. Focused entirely on banking and credit.
ChoreSplit: Complete chore management system with scheduling, assignments, approval workflows, and gamification.
Gamification
Step: No gamification features. Straightforward banking app.
ChoreSplit: Full gamification: streaks, leaderboards, point multipliers, badges, and challenges that make chores exciting.
Parental Controls
Step: Limited controls. No custom spending limits per category.
ChoreSplit: Granular parental controls: spending limits, merchant blocking, approval requirements, and chore verification.
Family Structure
Step: Sponsor/teen model. Less suited for multiple young children.
ChoreSplit: Built for whole families: unlimited kids of any age, multi-household support, full co-parent access.
Credit Building
Step: Excellent credit building with bureau reporting.
ChoreSplit: Focuses on financial literacy through earning. Credit building features planned for teens.
Card Features
Step: Great card with credit-building secured spending.
ChoreSplit: Stripe-powered debit with real-time balances. Emphasis on chore-to-card money flow.
Feature Comparison
See how ChoreSplit stacks up against Step.
| Feature | ChoreSplit | Step |
|---|---|---|
| Chore Management | Full system with scheduling | None |
| Gamification | Streaks, leaderboards, multipliers | None |
| Credit Building | Coming soon | Yes, bureau reporting |
| Target Age | Ages 6-18 | Ages 13+ |
| Kids per Account | Unlimited | One per account |
| Parental Controls | Granular spending & chore controls | Basic monitoring |
| Monthly Price | $5 flat | Free / $4.99 (Step Black) |
| Savings APY | Competitive rates | 5.00% APY |
| Mobile Check Deposit | Via bank transfer | No |
Switch in 30 Minutes
No complicated migration. Just sign up and go.
Sign Up
Create your ChoreSplit account. Takes 2 minutes.
Set Up Family
Add kids, create chores, configure rewards. 15 minutes.
You're Done
Kids start earning. Cancel Step when ready.
The Bottom Line
Choose Step if your teen's primary need is building credit history with a banking app. Choose ChoreSplit if you want the whole family engaged in a gamified chore system that teaches money management through earning.
Frequently Asked Questions
Does Step have chore tracking?
No. Step is purely a banking and credit-building app. If you want your kids to earn money through chores with a gamified experience, you'll need a separate app—or choose ChoreSplit which combines both.
Is Step's credit building feature worth it?
Yes, Step's credit building is excellent if your teen needs to establish credit history. However, if your primary goal is teaching kids to earn through work and manage money, ChoreSplit's chore-first approach is more impactful for younger children.
Which is better for younger kids?
ChoreSplit is better for younger kids (ages 6-12). Step is designed for teens 13+ and focuses on banking rather than chore engagement. ChoreSplit's gamification keeps younger children motivated.
Can I use both Step and ChoreSplit?
Yes! Some families use Step for their teen's credit building while using ChoreSplit for the whole family's chore management and younger kids' cards. They serve different primary purposes.