How It Works

Download UNest app on your phone

You can open your account in less than five minutes, setting your kids for a bright future in the most intuitive and simple way.


Establish a monthly contribution plan

Using our simple college savings calculator, establish your future goal and choose a monthly amount that is right for you. Start with as little as $25/month.

Receive gifts from your friends and family

With our easy-to-use gifting options, your friends and family can effortlessly contribute to your child’s account, accelerating the growth of your money. 

Keep track of your savings on the go

You can easily view the account balance, change contribution plans, and manage transactions, all from your mobile phone.


College Savings Calculator is a hypothetical tool that demonstrates how monthly contributions, age-based asset rebalancing, and tax savings may impact the long-term value of your account, and do not take into account a portfolio’s underlying investment management fees. Calculations assume the private institution cost inflation is 2.8%, public out of state cost inflation is 3.9%, public in state cost inflation is 2.7%. Portfolio is assumed to have only stocks and bonds. Monthly equity returns are based on the historical data from the 10-year track record of the stock market (SPY). Monthly fixed income returns are based on the historical data from the 10-year track record of the bond market index (AGG). The current college expenses are provided by the Actual account performance may differ due to market fluctuations, changes in recurring investments, and asset allocation. The information provided here is for illustrative purposes only and does not represent actual or future performance of any investment option and is not intended to predict or project the investment performance of any security or index.