Family investing made easy.
Invest in your kids’ future, and let the whole family chip in. Grandparents give with one link. No app needed.
Best Custodial Accounts of 2026
- 100K+registered parents
- $50M+invested
- 4.7App Store rating
Grandma added $50 to Dylan’s account.“Happy birthday, buddy! Love, Grandma”Just now
- 1Open in minutes.Answer a few questions. Open an account for each child.
- 2Add a little each month.Set up automatic deposits that fit your budget.
- 3Let the family give.Share one gift link with grandparents and friends.
Gifting
Instead of another toy, a gift that grows.
One link for birthdays, holidays or any day. Family can give in a minute, from any phone or computer.
- No app needed for givers.
- A note with every gift.
- Every gift goes into your child’s account.
“Dylan’s birthday is coming up! Instead of more toys, we’re saving for his future. Thank you for being part of it.”
Sarah, Dylan’s momAs seen in
“Setting up the accounts for my kids was fast and easy.”Aaron and family
Military families
Veteran-led. No monthly fee for active-duty families.
We’re veteran-led. Your child’s account moves with you through every PCS and deployment, so saving never starts over. Active-duty families also get $20 a year deposited into their child’s account.
- $0 monthly feefor active-duty families
- Moves with youthrough every PCS
- Keeps goingthrough deployments
Rewards
Your everyday shopping adds to their future.
Shop the brands your family already uses. They invest money in your child’s account.
Our most-claimed offers in the UNest app. Offers can change. You need a funded UNest account to earn rewards, and each reward can take up to a few months to arrive while the brand approves it.
Families like yours
Started by one parent. Grown by the whole family.
Best Custodial Accounts of 2026
“The one money habit I started the week my son was born.”
“How I set up my daughter’s investing account in five minutes.”
“UNest helps us stay focused on what matters most: our kids’ future.”
Testimonials may not represent other customers' experience and do not guarantee future performance or success. “Paid partner” means UNest compensated that person, in cash or equity.
Pricing
First year free.
On balances up to $300. Then $2/month + 0.25% a year, per child. No surprises.*
Best Custodial Accounts of 2026
Every account includes:
- A professionally managed custodial account
- Family gift links
- Rewards from 50+ brands
- No monthly fee for active-duty military
Savings calculator
See how a little adds up.
Move the sliders to see what you, your family and rewards could add by age 18.
$55,837Hypothetical total by age 18
- Your contributions$10,800
- Family gifts$13,500
- Rewards$1,800
- Hypothetical investment gains$29,737
Hypothetical illustration only. Assumes an 8% annual return for an aggressive portfolio, before fees, taxes and inflation. Investments can lose value. Actual results will vary. It is for informational purposes only, does not reflect actual investment results and is not a guarantee of future performance.
Have questions? Ask our AI advisor.
Get plain-English answers about saving and investing for your kids, any time. Included with every UNest account.
General education, not personalized investment, legal or tax advice.
Coming soon
Trump Accounts are coming to UNest.
Trump Accounts (530A accounts) are a new savings account for kids, created by federal law in 2025. Soon you can open and manage one in UNest, next to your child’s other accounts.
For children with a Social Security number who are under 18 at the end of the year the account opens. Through a federal pilot program, the U.S. government will contribute $1,000 for U.S. citizen children born between January 1, 2025, and December 31, 2028.
Learn more about Trump AccountsJoin the waitlist.
We’ll email you the day they’re ready.
Families first.Every decision starts with what’s good for parents and kids.
Low cost, high integrity.Simple fees, explained up front.
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