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
May 17, 2025
As a parent, I wanted to start saving for my child’s future, and this company made it so simple. Their plans are flexible and easy to manage, and I feel confident knowing my investments will grow alongside my child. The team provided clear guidance tailored to my goals.
May 15, 2025
I chose this company to secure my child’s financial future, and it was the best decision. Their platform is intuitive, and their advisors helped me create a solid savings plan. I love knowing that I’m setting my child up for success when they grow up.
October 14, 2024
Planning for my daughter’s future has never been easier. This company offers excellent options for long-term investments, and their team helped me navigate everything.
May 14, 2025
Saving for my son’s college fund felt overwhelming until I found this app. They helped me develop a step-by-step investment strategy that feels practical and achievable. I feel much better knowing I’m building a solid foundation for his future.
December 1, 2024
I chose this company to secure my child’s financial future, and it was the best decision. Their platform is intuitive, and their advisors helped me create a solid savings plan. I love knowing that I’m setting my child up for success when they grow up.
October 29, 2024
I started working with this company a few months ago and have already seen positive results. They offer transparent terms, a wide range of investment products, and expert advice. I especially appreciate the professionalism of the managers, who thoroughly explain all the details and help choose the best strategies.
December 10, 2024
As a parent, I wanted to start saving for my child’s future, and this company made it so simple. Their plans are flexible and easy to manage, and I feel confident knowing my investments will grow alongside my child. The team provided clear guidance tailored to my goals.
May 17, 2025
As a parent, I wanted to start saving for my child’s future, and this company made it so simple. Their plans are flexible and easy to manage, and I feel confident knowing my investments will grow alongside my child. The team provided clear guidance tailored to my goals.
May 15, 2025
I chose this company to secure my child’s financial future, and it was the best decision. Their platform is intuitive, and their advisors helped me create a solid savings plan. I love knowing that I’m setting my child up for success when they grow up.
October 14, 2024
Planning for my daughter’s future has never been easier. This company offers excellent options for long-term investments, and their team helped me navigate everything.
May 14, 2025
Saving for my son’s college fund felt overwhelming until I found this app. They helped me develop a step-by-step investment strategy that feels practical and achievable. I feel much better knowing I’m building a solid foundation for his future.
December 1, 2024
I chose this company to secure my child’s financial future, and it was the best decision. Their platform is intuitive, and their advisors helped me create a solid savings plan. I love knowing that I’m setting my child up for success when they grow up.
October 29, 2024
I started working with this company a few months ago and have already seen positive results. They offer transparent terms, a wide range of investment products, and expert advice. I especially appreciate the professionalism of the managers, who thoroughly explain all the details and help choose the best strategies.
December 10, 2024
As a parent, I wanted to start saving for my child’s future, and this company made it so simple. Their plans are flexible and easy to manage, and I feel confident knowing my investments will grow alongside my child. The team provided clear guidance tailored to my goals.
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.