Affordable pricing for every parent

Our fees reflect our mission to make investing more accessible with a low price available to every family.

You’ll pay a flat fee for accounts below $20,000. This covers unlimited accounts, transfers and contributions, customer support, and tax optimization.

$4 per month is $48 per year, billed after 30-day trial. See below to find out if you qualify for a discount.

Accounts above $20,000

Management fee

0.25%

Accounts over $20,000 will only be billed an annual management fee of 0.25%.

Subscription fee is waived.

We make investing possible for every parent

/ per month

If your family lives on $50,000 or more annually, you'll be billed $48 per year.

/ per month

$4 per month

If your family lives on $50,000-$30,000 annually, you'll get a 50% discount on the service fee. Reach out to customer service to receive your discount.

FREE

/ per month

$4 per month

FutureMoney is free for every family who lives on less than $30,000 annually or who does not contribute to their investments for a year. Reach out to customer service to receive your discount.

How we compare

FutureMoney offers automated investing with a variety of features that parents need all for one low fee that works with your budget.

Minimum initial investment

Sliding fee based on income

Investing for unlimited kids

Supportive community for parents

Junior Roth IRA™

Automated investing

Personalized portfolio

Other investing apps

$1,000s

Your money is protected

Rest assured that your money is professionally managed.

SIPC Insured - Your investments are protected with up to $500,000 under SIPC coverage, ensuring peace of mind. We are a SEC-registered investment advisor.

Secure - Your investments are held by one of the most established custodians in the U.S. market, BNY Mellon | Pershing.

Privacy - Keeping your personal information protected is our priority. Advanced, bank-level AES-256 encryption to keep your data safe.

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.

FutureMoney RIA, LLC - Form CRS, Form ADV Part 2A, Privacy Policy. Atomic Brokerage General Disclosure: FutureMoney RIA has an engagement with Atomic Brokerage LLC (“Atomic Brokerage”), a registered broker-dealer and member of FINRA and SIPC, to bring you the opportunity to open a brokerage account. Brokerage services for customers of FutureMoney RIA are provided by Atomic Brokerage. Neither Atomic Brokerage nor its affiliates are a bank. Investments in securities are Not FDIC insured, Not Bank Guaranteed, and May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged. For more details about Atomic Brokerage, please see the Form CRS, the Atomic Brokerage General Disclosures, and the Privacy Policy. Check the background and custodial/clearing services of Atomic Brokerage on FINRA’s BrokerCheck. Technology services may be provided by AtomicVest. UI Screenshots Disclosure: All screenshots provided are for illustrative purposes only and any performance figures displayed should not be considered representative of actual performance.

529 Plan Disclosure: John Hancock Freedom 529 is an education savings plan offered by the EducationTrust of Alaska, managed by T. Rowe Price Associates, Inc., distributed by John Hancock Distributors LLC through Atomic Brokerage, and cleared by Pershing LLC.Atomic Brokerage is a member of FINRA and is registered with the Municipal Securities Rulemaking Board (MSRB). Investing involves risks, including the potential loss of principal. There are no guarantees that a fund's investment strategy will be successful or that education expenses will be met. Even if you contribute the maximum amount, there is no assurance that the money in your account will be sufficient to cover all the education expenses your beneficiary may incur, or that the rate of return on your investment will match or exceed the rate at which education expenses may rise. The impact of inflation on education expenses is uncertain and could exceed the return on your investments in your Account. Please see the Plan Disclosure Document for additional risks.

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. You may also contact your state 529 plan or any other 529 education savings plan to learn more about their features. Please contact support@futuremoney.co to obtain a Plan Disclosure Document or prospectus for any of the underlying funds. The Plan Disclosure Document contains complete details on investment objectives, risks, fees, charges, and expenses, as well as more information about municipal fund securities and the underlying investment companies that should be considered before investing. Please read the Plan Disclosure Document carefully prior to investing. 529 PLANS ARE NOT FDIC INSURED, MAY LOSE VALUE, AND ARE NOT BANK OR STATE GUARANTEED.

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.