Heirloom: Child Savings

Every year of childhood is a year of compounding you never get back. Heirloom shows you what to do with the years your child still has. Set a target for college and a target for their first stock account. Heirloom solves the monthly contribution that gets there, or projects where your own number lands. Every dial moves the answer live: returns, upfront deposits, yearly raises, gifts from grandparents, scholarships. Then ask the question most calculators skip: how sure is this plan? Heirloom runs 500 randomized market paths around your assumptions and replays your exact plan through every real market since 1928. You see the odds, the range, and the worst starting years, not just one tidy average. WHAT IT DOES - Solves the monthly amount for your targets, or projects the plan you set - Models college costs with inflation, in-college returns, and scholarships - Handles gifts and lump sums: one-off, recurring, growing, or custom by year - Runs Monte Carlo confidence checks and a 1928 to 2025 history test - Tracks United States accounts (529 plus brokerage, FAFSA aid impact, state tax benefits) and Canadian accounts (RESP with CESG grants, TFSA overflow, in-trust funds) - Logs a yearly birthday check-in so you can see actual balances against the plan and rebase when life happens - Saves scenarios per child, with side-by-side pinning to compare choices - Exports a one-page PDF plan summary - Reminds you once a year, on their birthday, to check in YOUR DATA STAYS YOURS Everything lives on your device. No account, no sign-up, no tracking, no network calls. Export your data any time. Lock the app with Face ID if you like. Designed for iPhone and iPad in a warm art deco style, with day and night themes. Heirloom provides planning information, not individualized financial or tax advice. Returns are assumptions, not guarantees.