Acorns Early Invest
Give their future a head start
Investing just $5 a day in your kid from birth could grow to over $71,000 by age 18!
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Set your kids up for life
Grow their potential
Small steps, big future
Illustration of the power of compounding based on initial deposit, contribution schedule, time horizon, and rate of return specified. Changes in those variables can affect the outcome. Reset the calculator using different figures to show different scenarios. Does not include Acorns’ monthly subscription fees (min $3/mo), which would reduce account returns over time, or other deposits or withdrawals. Results do not predict or represent the performance of any Acorns portfolio and do not take into consideration economic or market factors which can impact performance. Investment results will vary. No guarantee investment return will achieve 8% or any annual returns.
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Just add a name, birthday, and SSN
Simple, automatic recurring investments
Frequently asked
How does Acorns Early Invest work?
Acorns Early Invest is our investment account for kids that can come with potential tax benefits. If you are in the Gold subscription, Acorns Early Invest is built into your subscription at no extra cost.
- Get started in minutes and add multiple kids at no extra cost.
- Set up an easy Recurring Investment for the child you love.
- Get potential tax benefits while you invest.
- Acorns Early Invest is a UTMA/UGMA account, which stands for Uniform Transfer/Gift to Minors Account. This type of account is more flexible than a traditional college savings account and the funds can be used in other ways that directly benefit the child.
- Invite friends and family to invest for the child, too!
Don’t have kids? With Acorns Early Invest, you can start an account for any child in your life!
To explore Acorns Early Invest, tap “Invest” from your home screen or tap the Invest icon from your bottom navigation.
Then, tap “Early”.
Have the child’s birthday and social security number ready to get started. Social security numbers are required to open any investment account. We use data encryption and bank-level security to help protect your personal information. Remember to talk to your tax advisor or visit IRS.gov for information on tax benefits that may apply to you.
Acorns Early Invest makes it easy to invest for the child or children you love, and instill smart money habits early in life.
What portfolio is selected for my Early Invest account?
All Early Invest customers are placed into our “Aggressive Portfolio”.
When can kids access money in their Early Invest accounts?
Children can access the funds in their Early Invest account when they reach the age of transfer. The specific age of transfer is determined by each state, and may be anywhere from 18 to 25. Acorns will contact you with guidance when the age of transfer is approaching.
Why should I invest in an Early Invest account instead of a 529 plan?
Actually, you can invest in a 529 plan and an Acorns Early Invest account. You don’t have to choose. The primary difference between the two is that funds held in 529 plans are intended solely for qualified educational expenses.
Funds you invest in Early Invest can be used for expenses that directly benefit the child named on the account, so many people find them to be more flexible.
And, while both types of investment accounts come with potential tax benefits, they vary. Visit irs.gov to learn the latest.
What do I need to open an Early Invest account?
You can open an Acorns Early Invest account for any child under the age of 18, whether they’re your own child, a niece or nephew or even the child of a friend. All you need is the child’s full legal name, date of birth, and Social Security Number.
