You do not need thousands of dollars to start investing for your child. See how small monthly amounts can grow over time and help create future opportunities.
Enter your own numbers below. The calculator is free and no account is required.
Choose a sample monthly amount or enter your own numbers.
This calculator provides estimates only and does not guarantee future investment returns.
Choose your child’s age for practical money lessons, parent actions, conversation starters, and the tools that fit this stage.
Get your free copy of: The Child Wealth Guide
Learn how small monthly investments and birthday money can grow into meaningful wealth over time.
Created for parents who believe financial education should be simple, practical, and accessible for every family.
Simple guides to help parents understand accounts, consistency, and starting early.
Child Wealth Calculator is an independent educational resource for parents. Our calculators use the assumptions you enter and provide estimates—not promises. Guides are written to explain financial concepts in plain language and are reviewed for clarity and usefulness. How we create our content →
The calculator is designed to answer one simple question: what could consistent investing look like over time? It is not a prediction and it does not tell you which investment account or fund is right for your family. Instead, it gives you a starting point for thinking about time, contribution size, and the effect of compounding.
A smaller monthly contribution that fits your budget can be more useful than an ambitious number you cannot maintain. Try $25, $50, or $100 per month, then compare the results. You can also enter birthday money or another one-time starting amount to see how an early deposit changes the projection.
Investment returns change from year to year and are never guaranteed. Use the return field to compare scenarios rather than to predict an exact future balance. A lower assumption can show a more conservative scenario; a higher assumption can help you understand how sensitive the result is to long-term performance.
Once you have a projection, move into the Child Wealth Journey for age-specific ideas. A parent of a baby may be deciding whether to open an account and automate contributions, while a parent of a teenager may be focused on first-job earnings, saving habits, and preparing a child to manage money independently.
Child Wealth Calculator is an educational resource for parents. The calculators use hypothetical assumptions, and the guides explain concepts in plain language so families can ask better questions and make informed decisions. The site does not provide individualized investment, tax, or legal advice. When a decision depends on your taxes, account ownership, financial aid, or other personal circumstances, consider checking the current rules and speaking with an appropriate qualified professional.