Kids Investing & College Savings Calculator
For parents, grandparents and guardians investing for a child. College, trade school, a first car, a deposit on a home. Whatever you're building toward, enter your child's age today and the age they'll need the money, and see what steady saving turns into by then.
For illustrative purposes only. Not financial, tax, or investment advice.
Real return after inflation: 4.4%. Results are shown in today's money. Set inflation to 0% for future dollars.
Contributions will match inflation.
Track it alongside everything else. WealthTrunk handles common accounts like 529 plans, UTMA/UGMA and custodial brokerage accounts, so you can organize your kids' accounts with the rest of your money. Custom account types cover anything else, like a custodial Roth IRA or a Trump Account.
Try the appWhy starting early matters when investing for kids
Drag the "child's age" slider and watch the growth figure move. The contributions barely change, but the growth changes dramatically. Time is the most important factor in investing, which is why saving for a newborn, whether you're a parent or a grandparent, goes so much further than starting in the teenage years.
- Starting at birth gives an 18-year runway to college, long enough that growth often rivals contributions.
- Starting at 10 roughly halves the runway, and growth becomes a much smaller share of the total.
- A short horizon shifts the question from "how do I grow this?" to "how do I not lose it?"
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