Family investing made easy.
Build a brighter future for your kids. Join the growing community of parents that save and invest with UNest.
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Best Custodial Accounts of 2026
- 100K+registered parents
- $50M+invested
- 4.7App Store rating
As seen in
UNest Savings Calculator
Adjust the numbers to explore how your savings could add up.
Savings calculator
See what your child could have at 18.
Hypothetical illustration only. Assumes an 8% annual return for an aggressive portfolio, before fees, taxes and inflation. Monthly deposits are invested monthly; gifts and rewards once a year. 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.
UNest is built for one thing: custodial investment accounts* for kids.
Named one of the Best Custodial Accounts of 2026 by Forbes Advisor.
One Year Free
No fees on balances up to $300 for the first 12 months. After 12 months, or once the balance reaches $300: $2/month + 0.25% a year.
Rewards
Top brands like Disney+ and Nike invest directly in your kid’s account.
Gifting
Friends & family contribute to your kid’s future.
Protection
Secure your family’s future with term life insurance through Ladder.
* Investment advisory services offered through UNest Advisers, LLC, an SEC-registered investment adviser.
Our Core Values
Families First
Every decision starts with what is best for families and their children, not institutions or insiders.
Low Cost, High Integrity
We keep UNest low cost because every dollar saved in fees is a dollar that compounds for a child’s future.
Community-led Growth
Family, friends, and trusted brands investing together create better futures for children.
Hear from our brand ambassadors
“For all you parents out there, do well by your children. Y’all can save! UNest!”
“I have four kids, and their future matters. Saving and investing should not be complicated. UNest removes the friction that turns good intentions into unfinished projects. I wish this had existed earlier in my life.”
“As a father of two young boys, I care about their financial future and I know that other parents are feeling the same way. By making it easy for parents to step into saving plans, UNest is going to transform the future of the next generation.”
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.
From our UNest families
Join thousands of families building brighter futures for their children.
“Setting up the accounts for my kids was fast and easy. I enjoy using the app and watching my kid’s account balance grow!”
“As a family expecting our second child, UNest helps us stay focused on what matters most, our kids’ future.”
“It’s simple, trusted and streamlined. A great piggy bank that actually earns while you save for your kids.”
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.
Don’t just take our word for it
Hear what trusted money experts say about why UTMA and UGMA accounts can be a smart way to invest for a child’s future.
“There are some tax advantages to using UGMA and UTMA accounts… Since they’re in your child’s name, the accounts will be taxed according to their tax bracket… There are no contribution limits on UGMA and UTMA accounts.”
Dave Ramsey, personal finance expert: Investing for your kid’s future
“…you could consider opening an account where you can dive deeper with the kids by your side. The easiest way to do so is to open a custodial account, known as an UGMA … or UTMA … account.”
Jill Schlesinger, Emmy-winning business analyst: Straightforward “starter” investing account for kids
“You can give children money that can accumulate somewhat tax-free over time… I love them (UTMAs) because they were like, trusts that you didn’t need lawyers to create… I think it’s one of the better tax breaks around though. I know hunting for tax breaks may not sound very exciting, but that’s how you take care of your family.”
Jim Cramer, CNBC host: Give children money that can accumulate over time
Start your child's account in minutes.
First year free on balances up to $300. Family can give with one link.*
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