Trusted by 35k+ families
Invest for your family, grow your money
tax-advantaged
FutureMoney helps families build generational wealth
with automated, tax-efficient investment accounts.
Invest for your family, grow your money
FutureMoney Family focused accounts
Your money deserves to grow tax-free
FutureMoney Exclusive
Junior Roth IRA™
Begin investing for a child early, with a pathway for eligible funds to move towards retirement later.
Learn More
FutureMoney Exclusive
Harvest UTMA/UGMA
Invest assets that belong to your child and automate the step-up basis to leverage use of their tax position.
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FutureMoney Exclusive
Trump Sidecar
Build a separate reserve designed to help cover future taxes, so more of their Trump Account can remain invested.
Learn More
5.02% High Yield Account
Reserve
Cash account designed to earn more on money you want to keep accessible.
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General Investing
Build flexible wealth without locking the money into one specific purpose.
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Roth IRA
Invest after-tax money today so eligible withdrawals can potentially be taken tax-free in retirement.
Learn More
Custodial Roth IRA
Turn your child’s first earnings into decades of potential tax-free growth.
Learn More
Welcome to the Future of Money.
FutureMoney is built by parents for parents to invest in families like the future depends on it. Because it does.
The future starts here, with FutureMoney. Automate the investments and build generational wealth today.
The future starts here, with FutureMoney. Automate the investments and build generational wealth today.
Make time your families
biggest advantage
Turn small weekly savings into long-term wealth
Will you keep investing after age 18?
Expected rate of return
By age
65
your account could be worth
$0
Investment
Return
You contribute
$0
Potential growth with FutureMoney
+$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.
FutureMoney Investments
How we invest
FutureMoney builds and manages a diversified portfolio based on your goals, timeline, and risk profile. We handle the investing and ongoing management, so you don’t have to.
Futuremoney Automated Investing
The simplest way to start building generational wealth for your family
Most families want to invest for their children but stall on the hard parts: which account, how much, and where to begin. FutureMoney makes investing simple, for all investors to setup an account with a few clear steps.
Join the club to get your weekly dose
of actionable investment insights.
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Humans on hand, 24/7
Speak to a real person from the FutureMoney team through our in-app chat — whenever you need us. We're here for you 24/7.
FutureMoney Simple Gifting
Plastic toys?
Gift an investment that builds a better future
Family and friends can contribute directly to what matters most with FutureMoney gifts. Gift an investment contribution today!
Safety and Security you and invest in.
256-bit encryption
Family and friends can contribute directly to what matters most with FutureMoney gifts. Gift an investment contribution today!
SEC Registered
The SEC requires us to provide investment advice that is in your best interest.
SIPC Protected
As a member of FINRA & SIPC, your account is protected up to $500,000.
Biometric login
2 Factor Authentication and support to keep access of your funds at all times.
Plaid secured
The same thing Venmo uses.
Human advisors
Real people with real licenses.
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Let your money work harder for you while you focus on what matters most.
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.
Your Questions, Answered
Why should I use FutureMoney?
FutureMoney empowers families, parents, couples, friends and individuals to invest in their children's future, offering a simple, secure, and tax-advantaged way to build generational wealth. With modest weekly investments, our platform uses the power of compound interest to grow your contributions into significant sums.
What accounts can I open with FutureMoney?
With FutureMoney, you can open a Junior Roth IRA, a Custodial Roth IRA, a general investment account, a 529 savings plan, a Roth IRA, or a traditional IRA. Each account type is designed to cater to different aspects of your financial future.
Is my money & information safe with FutureMoney?
Absolutely. FutureMoney is built with institutional-grade security to ensure your assets and data are protected at every level.
-Bank-Level Security: We are SOC2 compliant and employ AES-256 encryption, the same standard used by major banks, to keep your personal information private and secure.
-Trusted Custodians: Your assets are held by industry-leading, SEC-registered custodians, including Alpaca Securities, LLC and Altruist. We select the custodian for your specific account needs to ensure seamless management and maximum security.
-SIPC Protection: SIPC protection of up to $500,000 per customer, including up to $250,000 for cash, applies in the event of a brokerage firm's financial failure. SIPC coverage does not protect against market losses. IRA, custodial, and brokerage account assets are held with SIPC-member custodians; 529 plan accounts are not covered by SIPC.
-Bank-Level Security: We are SOC2 compliant and employ AES-256 encryption, the same standard used by major banks, to keep your personal information private and secure.
-Trusted Custodians: Your assets are held by industry-leading, SEC-registered custodians, including Alpaca Securities, LLC and Altruist. We select the custodian for your specific account needs to ensure seamless management and maximum security.
-SIPC Protection: SIPC protection of up to $500,000 per customer, including up to $250,000 for cash, applies in the event of a brokerage firm's financial failure. SIPC coverage does not protect against market losses. IRA, custodial, and brokerage account assets are held with SIPC-member custodians; 529 plan accounts are not covered by SIPC.
How do I withdraw money from my account?
Here are instructions for how to withdraw from the latest version of the app:
Open the app and log in.
On the main dashboard after logging in, click on the name of the relevant person. Now you see all of the goals related to that person. Note that you will have one goal per person initially, but can have multiple.
Click on the name of the goal from which you want to withdraw. Now you see detailed information about only that goal.
Click on "..." in the top right cornerYour options will be "Edit Goal" or "Withdraw". Select "Withdraw".
Enter the amount of the withdrawal. It's also a good idea to look at the other info on the screen to ensure it's accurate, like the name of your bank.
Click the "Withdraw" button at the bottom. Withdraw funds into a bank account.
Who can use FutureMoney?
FutureMoney is designed to seamlessly build investment portfolios for future financial stability. It's also an excellent tool for grandparents, relatives, or friends who wish to contribute to a child's long-term financial well-being.
What is a Junior Roth IRA?
The Junior Roth IRA, exclusively offered by FutureMoney, allows parents to invest up to $35,000 in their child's future, with the potential for the investments to grow tax-free and tax-free qualified withdrawals.
What are the fees, & how does pricing work?
FutureMoney charges a transparent annual subscription fee for account management. The fee structure ensures affordability, with tiered pricing from $0-5/monthly, and income-driven discounts to ensure accessibility for all families.
What happens to my money if FutureMoney is acquired, goes public, or closes?
Your investments remain protected in any of these scenarios, as they are held by industry-leading, SEC-registered custodians, including Alpaca Securities, LLC and Altruist. In the event of one of these scenarios, you could choose to either transfer your assets in-kind to another trusted provider, which should have no tax impact, or you could choose to have your money returned to you in cash.
Copyright © 2026 Future Money Inc.
Your investments are eligible for protection of up to $500,000 (including $250,000 for cash) under SIPC coverage in the event of a brokerage firm's financial failure. SIPC coverage does not protect against market losses. 529 plan accounts are not covered by SIPC.
FutureMoney RIA, LLC - Form CRS, Form ADV Part 2A, Privacy Policy, Investment Management Agreement. SEC registration does not imply a certain level of skill. All investments made are legally owned by you.
Charles Schwab & Co. Inc. - Form CRS, Form ADV Part 2A, Privacy Policy
Altruist Financial LLC - Form CRS, Form ADV Part 2A, Privacy Policy
Alpaca Securities LLC - Form CRS, Privacy Notice, Use & Risk, Terms & Conditions, PFOF, Margin, Extended Hours, BCP Summary
Your investments are eligible for protection of up to $500,000 (including $250,000 for cash) under SIPC coverage in the event of a brokerage firm's financial failure. SIPC coverage does not protect against market losses. 529 plan accounts are not covered by SIPC.
FutureMoney RIA, LLC - Form CRS, Form ADV Part 2A, Privacy Policy, Investment Management Agreement. SEC registration does not imply a certain level of skill. All investments made are legally owned by you.
Charles Schwab & Co. Inc. - Form CRS, Form ADV Part 2A, Privacy Policy
Altruist Financial LLC - Form CRS, Form ADV Part 2A, Privacy Policy
Alpaca Securities LLC - Form CRS, Privacy Notice, Use & Risk, Terms & Conditions, PFOF, Margin, Extended Hours, BCP Summary
If your state or your designated beneficiary’s state offers a 529 plan, you may want to consider what, if any, potential state income-tax or other state benefits it offers, such as financial aid, scholarship funds, and protection from creditors, before investing. State tax or other benefits should be one of many factors to be considered prior to making an investment decision. Please consult with your financial, tax, or other advisor about how these state benefits, if any, may apply to your specific circumstances. Earnings in 529 plan or Junior Roth IRA grow tax-free. Qualified withdrawals from these accounts are tax-free. Unqualified withdrawals may be subject to tax and penalty. Consult IRS website and your state tax authority for details. Certain conditions apply to 529 plan to Roth IRA rollover. See here for details.
Projected assets under management are based on current account values, recurring contributions set, estimated returns, and goal dates.
UI Screenshots Disclosure: All screenshots provided are for illustrative purposes only and any performance figures displayed should not be considered representative of actual performance
UI Screenshots Disclosure: All screenshots provided are for illustrative purposes only and any performance figures displayed should not be considered representative of actual performance