Give Your Child a Million-Dollar Head Start
Start building generational wealth with the Junior Roth IRA™ from FutureMoney. Invest as little as $10 a week and watch your child’s future grow tax-free with no earned income required. Make today the day you secure their tomorrow.
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1 App rating displayed on the FutureMoney website reflects the blended user ratings from the Apple App Store and Google Play Store, weighted by FutureMoney’s active user count on each platform. These ratings are independently calculated and published by Apple Inc. and Google LLC, respectively. The Apple App Store rating is based on the average of all user-submitted app reviews to date, while the Google Play rating emphasizes more recent user feedback. App ratings and user reviews reflect general app experience and usability, and may not represent the experience of FutureMoney clients with its advisory services or investment performance. Ratings are not based on client satisfaction surveys or verified advisory outcomes. The Apple App Store and Google Play Store do not verify whether reviewers are clients of FutureMoney or use its investment services. Ratings are subject to change and are updated by each platform independently. For the most accurate and current rating information, please visit the FutureMoney app listing in the Apple App Store or Google Play Store.
Secure Your Child’s Future with the Junior Roth IRA™ for kids
Give your child the head start building the financial independence they deserve, with the Junior Roth IRA™, exclusively from FutureMoney. Designed to grow tax-free, the Junior Roth IRA helps parents like you build generational wealth for milestones that matter.
Why Invest in Junior Roth IRA?
Fast and Easy:
Open your account in less than 5 minutes
No Paycheck Needed:
Start investing for your child even before their first summer job
Tax-Free Growth:
Watch your contributions grow without worrying about taxes eating into their future
Family-Friendly:
Invite relatives to contribute and build wealth together
Custodial Roth IRA vs Junior Roth IRA
Don’t worry. FutureMoney offers both. If you want to pay your child for household work, we can help with creation of a household employer including obtaining an EIN, employment contract, navigating withholdings, payroll, and state and federal tax filing.
Junior Roth IRA
No earned income required
Open before birth
No annual limit, $35,000 while child is a minor
Grows tax-free
Custodial Roth IRA
Requires earned income
Typically can open at 5 years old
$7,000 annual contribution limit
Grows tax-free
Custodial Roth IRAs are currently only available to limited users in Beta. Full roll out will begin in Q3 2025.
Calculate your estimate
Explore our compound interest calculator to find out how the magic of time and compounding can work together to build your generational wealth.
“Lets give our child the financial foundation they deserve - the one we wish we had.”
Gifting Stories
Customer Gifting with FutureMoney
August 6, 2026
Simply the best way to save for your kids education. Setup is simple and painless. It's really easy to send a link to friends and family so they can donate to an education savings plan instead of buying gifts that will end up in the garbage!
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Richard L.
Richard L.
California
March 14, 2026
Easy to use interface, was easy to set up account. I set up my kids college savings account super quick while multitasking (watching tv). Tax advantage options a bonus. will use for baby number 2, on the way in July.
Daniel F.
Daniel F.
New York
March 13, 2026
I started a 529 plan with FutureMoney for my twins and the experience has been straightforward from day one. The automated contributions make it easy to stay consistent without thinking about it. I was really happy to find a platform that takes the complexity out of something this important, and put my kids on the right path for their educational future.
Justin
Justin
Texas
July 25, 2025
The platform makes it easy to track our progress, and we can’t wait to see how our money grows. One of the features we’re especially excited about is the Junior Roth IRA for our son — it feels amazing to start building a strong financial foundation for his future too. We love knowing that our whole family is growing wealth together.
Ashlee
Ashlee
Ohio
July 17, 2024
We absolutely love the Junior Roth IRA. When my wife became pregnant, I started thinking about our future child's financial future. We signed up with FutureMoney and think it is a great product. The signup process is simple and the app is clear and easy to use. I just wish they would implement a referral program.
Phil
Phil
Georgia
August 6, 2026
Simply the best way to save for your kids education. Setup is simple and painless. It's really easy to send a link to friends and family so they can donate to an education savings plan instead of buying gifts that will end up in the garbage!
Richard L.
Richard L.
California
March 14, 2026
Easy to use interface, was easy to set up account. I set up my kids college savings account super quick while multitasking (watching tv). Tax advantage options a bonus. will use for baby number 2, on the way in July.
Daniel F.
Daniel F.
New York
March 13, 2026
I started a 529 plan with FutureMoney for my twins and the experience has been straightforward from day one. The automated contributions make it easy to stay consistent without thinking about it. I was really happy to find a platform that takes the complexity out of something this important, and put my kids on the right path for their educational future.
Justin
Justin
Texas
July 25, 2025
The platform makes it easy to track our progress, and we can’t wait to see how our money grows. One of the features we’re especially excited about is the Junior Roth IRA for our son — it feels amazing to start building a strong financial foundation for his future too. We love knowing that our whole family is growing wealth together.
Ashlee
Ashlee
Ohio
July 17, 2024
We absolutely love the Junior Roth IRA. When my wife became pregnant, I started thinking about our future child's financial future. We signed up with FutureMoney and think it is a great product. The signup process is simple and the app is clear and easy to use. I just wish they would implement a referral program.
Phil
Phil
Georgia
Real reviews from FutureMoney users.
User names and images have been changed to protect user privacy. The testimonials provided may not be representative of the experience of other FutureMoney users and there is no guarantee that all FutureMoney users will have similar experiences. Some clients received compensation for completing a FutureMoney survey, which may influence their preference for recommending us.
Got questions? Find answers.
Is there a fee for adding someone to a shared goal?
The Junior Roth IRA™, exclusively offered by FutureMoney, allows you to invest up to $35,000 while your child is under 18 and grow that money tax free into their retirement, based on a 529 plan to Roth IRA rollover.
Can I gift a FutureMoney account without setting up a shared goal?
The Junior Roth IRA™, exclusively offered by FutureMoney, allows you to invest up to $35,000 while your child is under 18 and grow that money tax free into their retirement, based on a 529 plan to Roth IRA rollover.
How much does FutureMoney cost?
The Junior Roth IRA™, exclusively offered by FutureMoney, allows you to invest up to $35,000 while your child is under 18 and grow that money tax free into their retirement, based on a 529 plan to Roth IRA rollover.
Can I create a goal to gift if I don’t already have a FutureMoney account?
Exclusively through FutureMoney. You can download the FutureMoney app through the Google Play Store or Apple App Store, or through our website.
Can some who I add to a goal access my financial information?
Exclusively through FutureMoney. You can download the FutureMoney app through the Google Play Store or Apple App Store, or through our website.