# FutureMoney: Early Investing — Roth IRA, UTMA & 529 for Kids > App for parents to invest early for children's future using Roth IRA, 401K, 529 plans. (iPhone/iPad app by Future Money.) - Source: https://appshunter.io/ios/app/futuremoney-early-investing/id6445875948 (this page in markdown: same URL + `.md`) - Developer: [Future Money](https://appshunter.io/developer/1674414185) - Category: Finance, Lifestyle - Price: Free - Rating: 4.80/5 from 171 App Store ratings · 24 written reviews indexed - Age rating: 12+ - Requires: iOS 15.1 · 119 MB - Languages: American English - Released: 2023-08-29 - Data updated: 2026-08-25 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/futuremoney-early-investing/id6445875948/reviews.md ## What is FutureMoney? FutureMoney is an investing app for people who love their kids, and want to turn everyday actions into lifelong advantages. Effortlessly invest to secure a better future for your family–whether they're toddlers, teenagers or somewhere in between. Secure their tomorrow with small contributions today. A little goes a long way when it comes to investing, especially if you invest early and often. That’s the power of compound growth. With FutureMoney, you’ll open an account for your kid and maximize their ability to grow their investments by giving them an 18-year head start. Even just $5 per week could set your kid up for a $1-million retirement account.* Raise better humans with lifelong learning. You have the option of a 529 plan that allows your money to grow tax-free. You can withdraw penalty-free for a wide range of educational expenses like K-12 tuition, a new school laptop, a study abroad program in Europe, college textbooks, trade school or graduate studies. FutureMoney makes it easy to support your kids’ development and learning for a lifetime.
 Invite loved ones to contribute and save more. Turn birthday and holiday cash gifts into long-term investments. Family and friends can easily contribute to your child's FutureMoney account, making their gifts work harder for your kids’ future.
 Keep more money with tax advantaged accounts. There are many different investment accounts. We believe a Junior Roth IRA is the best place to start building tax-advantaged generational wealth. This innovative account type starts as a 529 plan and rolls over to a Roth IRA once eligible, according to the rules of the Secure Act 2.0. Accessible, inclusive, built for real life Not every family starts with access to traditional wealth-building tools. FutureMoney makes sure that doesn't hold you back. We offer flexible pricing, sliding-scale fees based on household income, and transparent options. Start without a subscription fee and begin building your child's future in just a few steps—no pressure, no barriers.
 Portfolios Built by Experts You Can Trust No need to pick stocks or time the market. Our expert-managed portfolios handle everything for you, so your child’s future stays on track, effortlessly. You don’t need to be an investing expert. We guide you every step of the way, so you can focus on what matters most: your family. *Projections based on hypothetical 10% annual returns over 65+ years, and are not guaranteed. Investing involves risk of loss. Past performance doesn't indicate future results. Actual returns may be lower. Seek professional advice before investing. Only qualified withdrawals are tax-free. State tax treatment varies. 529-to-Roth rollover conditions apply. No taxes on investment gains in tax-advantaged accounts or eligible withdrawals (conditions apply). Note that Future Money Inc. nor its affiliates provide tax or legal advice. This information is provided for educational purposes only and should not be considered as advice. For full terms and conditions, please visit https://www.futuremoney.co. ## Key features - Kids Roth IRA accounts - 529 college savings plans - Expert-managed investment portfolios - Invite family and friends to contribute - Tax-advantaged generational wealth building - Sliding-scale fees based on income ## Recent user reviews (10 of 24) All indexed reviews: https://appshunter.io/ios/app/futuremoney-early-investing/id6445875948/reviews.md ### 5/5 — Great Savings App *2026-08-23* Super easy, functional, and straightforward savings app for anyone savings for kids’ education. I highly recommend it! ### 5/5 — Great support, Great customer service *2026-04-19* Really great at getting back at rapid speeds, really knowledgeable and very helpful ### 1/5 — Reading other responses *2026-04-09* Reading other reviews, I see mostly 5 stars, but that could be from the developers doing so themselves. The bad reviews say this is a scam, and I am not going to risk it. And seeing as it has few reviews, I think they might be right. **Developer response:** Hello, We are sad to see you leave without trying out the value we present at FutureMoney. Please email us at support@futuremoney.co, and we will be happy to address all of your questions and concerns. Warm regards, FutureMoney Team ### 1/5 — Do not use this app. *2026-02-12* I’ve been attempting for months to inquire when the referral bonus will be paid out, I mean a good 4-6 months. And all they tell me are excuses. I have money invested and have tried to withdrawal it and they are not giving it back. Do not trust this app. I will be reaching out to higher authorities at this point. Save yourself from the hassle people. ### 1/5 — Terrible useless app *2025-11-14* 1 star ### 1/5 — Account Closure *2025-09-18* I’m very concerned about my recent experience. I submitted a withdrawal request, which showed as “processing,” but before the transaction was completed, I had to close my account. Now, I can no longer log in to check the status, and I still haven’t received my money. This situation is not reassuring and raises serious doubts about whether my funds were ever in a safe place. I expect transparency and resolution regarding my withdrawal. ### 5/5 — FutureMoney *2025-05-20* I started working with this app a few months ago and have already seen positive results. The Junior Roth IRA is awesome. I spoke with Dave one of their portfolio managers and he thoroughly explained all the details. Much better experience than other tools I’ve used before. ### 5/5 — Great app *2025-05-17* As a parent, I wanted to start saving for my child’s future, and FutureMoney made it so simple. Their plans are flexible and easy to manage, and I feel confident knowing my investments will grow alongside my child. ### 5/5 — A++ *2025-05-15* I chose Future Money to secure my child’s financial future, and it was the best decision. Their platform is intuitive, and their support team helped me create a solid investing plan. I love knowing that I’m setting my child up for success when they grow up. ### 5/5 — Saving for College *2025-05-14* 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. ## Frequently asked questions about FutureMoney ### What does FutureMoney do? FutureMoney is an investing app designed to help parents secure their children's financial future. It allows you to open accounts like a Junior Roth IRA and a 529 plan for your child, enabling early investing to leverage compound growth for long-term advantages. ### What are the key features of FutureMoney? Key features include the ability to open tax-advantaged accounts like a Junior Roth IRA and a 529 plan, expert-managed investment portfolios, and the option for family and friends to contribute to your child's account. It also offers flexible pricing with sliding-scale fees based on household income. ### How much does FutureMoney cost? The app offers flexible pricing with sliding-scale fees based on household income, and you can start without a subscription fee. This makes it accessible for families to begin building their child's future without upfront financial barriers. ### Who is FutureMoney for? This app is designed for parents and guardians who want to start investing early for their children, whether they are toddlers or teenagers. It's for those who wish to provide lifelong advantages and support their kids' educational and financial development. ### Can family and friends contribute to my child's account? Yes, you can invite loved ones to contribute to your child's FutureMoney account. This allows birthday and holiday cash gifts to be turned into long-term investments, making gifts work harder for your kids' future. ## Version history (last 5 releases) ### 2.5.0 — 2026-08-23 Welcome to our latest update. We've been working hard to bring you new features and improvements. For any questions or assistance, please contact our support team at support@futuremoney.co. ### 2.4.0 — 2026-08-20 Welcome to our latest update. We've been working hard to bring you new features and improvements. For any questions or assistance, please contact our support team at support@futuremoney.co. ### 2.3.4 — 2026-08-14 Welcome to our latest update. We've been working hard to bring you new features and improvements. For any questions or assistance, please contact our support team at support@futuremoney.co. ### 2.3.3 — 2026-08-08 Welcome to our latest update. We've been working hard to bring you new features and improvements. For any questions or assistance, please contact our support team at support@futuremoney.co. ### 2.3.2 — 2026-08-05 Welcome to our latest update. We've been working hard to bring you new features and improvements. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-25.*