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The Smart Parent’s Secret to Building Generational Wealth

What you’ll need:

  • Answer a few questions about you and your family
  • A bank to fund the account
  • Under 5 minutes to complete the application
Invest in your child’s dreams with a Junior Roth IRA™ that grows as they do.
For a limited time: Get a $25 Bonus when you finish setting up and funding your child's Junior Roth IRA account today!
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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.

How FutureMoney Makes It Easy to Invest

Simple Setup
Open an account in minutes with no paperwork nightmares.
Flexible Contributions
Invest what you can, when you can. Every little bit counts
Track Progress Together
Watch their wealth grow with intuitive dashboards and milestone tracking.

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.
Initial deposit
Contributions
Years to grow
20 years
Average annual return
Potential future balance
$0
The chart provides an estimate of how your investment could grow over time based on your initial deposit, contribution frequency, investment duration, and selected interest rate. Adjusting these inputs will change the outcome. You can revisit the calculator to explore different scenarios. These results are illustrative only and do not represent the performance of any FutureMoney account or strategy. They also do not factor in market or economic conditions that could impact returns. 
$1+ Billion
FutureMoney users are on track to invest $1B and growing
0.25%
Management fee, amongst the lowest in the country
$500,000
In SIPC protection

“Lets give our child the financial foundation they deserve - the one we wish we had.”

Philip Barrar
CEO
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.
Susan D.
Account executive
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.
Daniel F.
HR manager
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.
Robert H.
Financial analyst
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.
Mary H.
Stay at home Mom
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.
Daniel K.
Software developer
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.
Jami S.
Product manager
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.
Sarah J.
Teacher
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.
Susan D.
Account executive
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.
Daniel F.
HR manager
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.
Robert H.
Financial analyst
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.
Mary H.
Stay at home Mom
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.
Daniel K.
Software developer
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.
Jami S.
Product manager
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.
Sarah J.
Teacher
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.