FutureMoney: Early Investing

FutureMoney is an investing app for people who love their kids, and want to turn everyday actions into lifelong advantages. Effortlessly invest to secure a better future for your family–whether they're toddlers, teenagers or somewhere in between.

Secure their tomorrow with small contributions today.

A little goes a long way when it comes to investing, especially if you invest early and often. That’s the power of compound growth. With FutureMoney, you’ll open an account for your kid and maximize their ability to grow their investments by giving them an 18-year head start. Even just $5 per week could set your kid up for a $1-million retirement account.*

Raise better humans with lifelong learning.

You have the option of a 529 plan that allows your money to grow tax-free. You can withdraw penalty-free for a wide range of educational expenses like K-12 tuition, a new school laptop, a study abroad program in Europe, college textbooks, trade school or graduate studies. FutureMoney makes it easy to support your kids’ development and learning for a lifetime.


Invite loved ones to contribute and save more.

Turn birthday and holiday cash gifts into long-term investments. Family and friends can easily contribute to your child's FutureMoney account, making their gifts work harder for your kids’ future.


Keep more money with tax advantaged accounts.

There are many different investment accounts. We believe a Junior Roth IRA is the best place to start building tax-advantaged generational wealth. This innovative account type starts as a 529 plan and rolls over to a Roth IRA once eligible, according to the rules of the Secure Act 2.0.
Accessible, inclusive, built for real life

Not every family starts with access to traditional wealth-building tools.

FutureMoney makes sure that doesn't hold you back. We offer flexible pricing, sliding-scale fees based on household income, and transparent options. Start without a subscription fee and begin building your child's future in just a few steps—no pressure, no barriers.


Portfolios Built by Experts You Can Trust

No need to pick stocks or time the market. Our expert-managed portfolios handle everything for you, so your child’s future stays on track, effortlessly. You don’t need to be an investing expert. We guide you every step of the way, so you can focus on what matters most: your family.

*Projections based on hypothetical 10% annual returns over 65+ years, and are not guaranteed. Investing involves risk of loss. Past performance doesn't indicate future results. Actual returns may be lower. Seek professional advice before investing. Only qualified withdrawals are tax-free. State tax treatment varies. 529-to-Roth rollover conditions apply. No taxes on investment gains in tax-advantaged accounts or eligible withdrawals (conditions apply).
Note that Future Money Inc. nor its affiliates provide tax or legal advice. This information is provided for educational purposes only and should not be considered as advice. For full terms and conditions, please visit https://www.futuremoney.co.