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.

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.

Initial deposit

Contributions

• Annually
• Monthly
• Weekly
• Daily

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.

Testimonials

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

Philip Barrar
CEO

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

FAQ

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?

How much does FutureMoney cost?

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.