Custodial Account

Acorns Early

Invest for the kids in your life now, because time goes fast.

Open an Acorns Early account now to invest for the kids in your life

The earlier you begin, the more time that money has a chance to grow. Start with $5 and give your kids an easy, automated head start.

WHY ACORNS EARLY?

All-in-one

Get investing, checking, retirement, and kids' investing all in one easy app.

Automatic Recurring Investments

Try just $5 a day, week, or month.

Flexible funds

With a Uniform Transfer/Gift to Minors account (UTMA/UGMA), funds can be used in ways that directly benefit the child.

Multiple kids accounts

Create Early accounts for each of the kids in your life at no extra cost.

Potential tax advantages

Get potential tax advantages while you invest in the kids you love.

Grow your knowledge, together

Education and financial literacy content for families from Acorns.

Security & Protection

Acorns Early accounts are SIPC-insured up to $500,000. SIPC does not protect against market risk, which is the risk inherent in a fluctuating market. For details, please visit www.sipc.org.

A fast & easy investment account for kids

Just add a name, birthday, and SSN

Simple, automatic recurring contributions

Get started Clip art of a squirrel

Less restrictions. More flexibility.

Acorns Early is an UTMA/UGMA custodial account (Uniform Transfer to Minors/Uniform Gift to Minors). Unlike other accounts intended for educational expenses only (like a 529), Early funds can be used in various ways when it directly benefits the child like a first car or extra-curricular activities.

Use the funds in ways that directly benefit the child

Easily transfer the funds over to an Acorns Invest account for the child when they are grown

Potential tax advantages along the way

Invest with Smart Deposit

Acorns Smart Deposit automatically invests a piece of your paycheck for you into your Acorns Early account. It's built into Acorns Checking, and comes included with your subscription.

Invest a piece of every paycheck automatically

Pick how much to invest, starting at 1%, and change it any time

Allocate a percentage to your Invest, Later, and Early accounts

Receive gifts from anyone

Invite friends and family to give a gift that can grow. Simply share a link and allow anyone to easily contribute directly to your Acorns Early account.

Unlock exclusive bonus savings & investments

Discover exclusive offers and earn even more bonus investments when you shop with family-friendly brands like Disney+, ABC Mouse, and The Honest Company.

Grow your knowledge, together

OUR CHILDREN’S BOOK

Grow your Oak

Get a free digital copy of our children's book, “Grow Your Oak” when you sign up.

Frequently asked

How does Acorns Early work?

Acorns Early is our investment account for kids that can come with potential tax benefits. If you are in the Personal Plus tier, Acorns Early 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 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, you can start an account for any child in your life!

To explore Acorns Early, 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 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 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 account?

All Early customers are placed into our “Aggressive Portfolio”.

When can kids access money in their Early accounts?

Children can access the funds in their Early 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 account instead of a 529?

Actually, you can invest in a 529 and an Acorns Early account. You don’t have to choose. The primary difference between the two is that funds held in 529s are intended solely for qualified educational expenses.

Funds you invest in Early 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 account?

You can open an Acorns Early 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.

Acorns Invest

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Investing

Acorns Later

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for retirement

Acorns Early

Invest
for Kids

Acorns Checking

Personal checking
& debit card

Acorns Earn

Invest when
you shop

A Plan for Everyone

All things investing, for the price of a latte

Acorns was built to give everyone the tools of wealth-building. Whether you’re new to investing or planning ahead for your family’s future, we bundle our products, tools, and education into subscription tiers — each curated to meet you on whichever stage of life you’re in.

That means no hidden costs or transaction fees — just one, transparent monthly payment to take advantage of everything our financial wellness system has to offer.

Not all features are available to all customers at this time. Please compare subscription tiers during registration to see what is available to you. Acorns is only available to US citizens or other lawful residents who are currently located in the United States. You must be 18 or older to sign up for an Acorns account.

What’s included