Savings Calculator

See how a little each month adds up.

Move the sliders to see what you, your family and rewards could put in, and how it could grow by the time your child turns 18.

Hypothetical value by age 18

$41,893

$21,120 put in over 16 years, plus $20,773 in hypothetical growth.

$50,000

Age 3Age 18

Your deposits$15,360
Family gifts$4,800
Rewards$960
Money put in$21,120
Hypothetical growth$20,773

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.

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Ways to add more

Three easy ways to add more.

Recurring deposits.
Set an amount once. It moves to your child's account every month, so you never have to remember.
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Family gifts.
Share one gift link. Grandparents and friends give in a minute, with no app.
Learn more about gifting
Rewards.
Shop with 50+ partner brands, and they add money to your child's account.
See partner brands

Questions parents ask.

Does the calculator include investment growth?

Yes, as a hypothetical. It adds up what you, your family and rewards put in, then shows how that could grow at an assumed 8% annual return for an aggressive portfolio, before fees, taxes and inflation. Investments can go up or down, so actual results will vary.

Is there a minimum monthly deposit?

The minimum deposit is $25, whether it’s one-time or recurring. You can change or pause your deposit at any time.

Can I change my monthly amount later?

Yes. Raise, lower or pause it in the app whenever your budget changes.

Should I save the same amount for each child?

That's up to you. Each child gets their own account, so you can set a different amount for each.

Do family gifts count toward my total?

Yes. Every gift goes into your child’s account, alongside your deposits.

What does UNest cost?

The first year is free on balances up to $300. Then it's $2/month + 0.25% a year, per child. See pricing.

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