Parents hub

Give your kids the head start compounding rewards most.

Time is the one thing you can give your child that money can’t buy later. How to open the right accounts early, get your kids legitimately paid so they can have a Roth IRA, and teach them to invest with their own money.

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  • 6 tools
A sapling growing from a jar of coins as a parent and child look up a rising growth curve.

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Invest for Your Kids: Start a Custodial Account Early, Then Pay Them Into a Roth IRA

$1,000 invested at birth can grow to about $149,000 by 65. How custodial accounts work, how to legitimately pay your child so they can fund a Roth IRA, and the rules, benefits and pitfalls for 2026.

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Each goal is a short path: read, listen, then put it to work with a tool. Take them in order or jump straight to what you need.

01

Start investing for them from day one

A custodial account opened at birth gives every dollar the most years to grow.

  1. 1ReadInvest for Your Kids: Start a Custodial Account Early, Then Pay Them Into a Roth IRA8 min read
  2. 2UseCustodial Account CalculatorFree tool
02

Turn their first paycheck into a tax-free head start

Real work, reasonable pay, good records: then a Roth IRA that grows tax-free for decades.

  1. 1ReadInvest for Your Kids: Start a Custodial Account Early, Then Pay Them Into a Roth IRA8 min read
  2. 2UseRoth IRA for Kids CalculatorFree tool
03

Teach your teen to invest their own money

Let them see what a summer job’s savings, and your match, can become.

  1. 1UseTeen Account CalculatorFree tool
  2. 2UseCompound Growth CalculatorFree tool
04

Claim the free $1,000 (Trump Accounts)

Babies born 2025 through 2028 can get a $1,000 government deposit. Here’s what it, and your additions, can grow to.

  1. 1UseTrump Account CalculatorFree tool
  2. 2ReadInvest for Your Kids: Start a Custodial Account Early, Then Pay Them Into a Roth IRA8 min read
05

Save for college the tax-free way

A 529 grows tax-free for school, and now for K-12, trade schools and even a Roth IRA later.

  1. 1Use529 College Savings CalculatorFree tool
  2. 2ReadInvest for Your Kids: Start a Custodial Account Early, Then Pay Them Into a Roth IRA8 min read

More for parents is coming soon: teaching kids about money, first cars and first jobs, and more calculators. Join the newsletter and they’ll land in your inbox first.

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Tools for this goal

Free

Custodial Account Calculator

Invest for your child from day one (UTMA/UGMA). See what they’d have when they take it over, and what it becomes if they leave it alone.

Run the numbers from birth →

Free

Roth IRA for Kids Calculator

A child with a paycheck can have a Roth IRA. See what a few years of contributions could grow to, tax-free, by retirement.

See their tax-free head start →

Free

Teen Account Calculator

A teen investing their own money (13 to 17), with an optional parent match. See what a few hundred dollars from a summer job can become.

Show your teen →

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