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UNest is the money app for your kids' future. You can easily save, invest, receive unlimited gifts from friends and family, and earn more money into your child's account when you shop with the brands you love. Sign up in just five minutes and get peace of mind about your kids' future. Join the UNest community today!


Easy Setup - It takes only 5 minutes to set up your account!

Tax-Free Growth: Up to $2,100 of tax benefits every year on the earnings in your account. The first $1,050 in earnings are tax-free. The next $1,050 is taxable at the child's tax rate

Gifting - Easily receive unlimited gifts from family and friend into your child's account

UNest Rewards - Receive extra money when you shop with the brands you love

UNest Learn - All your money questions answered

Investment Options - Choose from five unique, advisor-guided investment options suited to your needs, including age-based portfolios

Low-Cost Funds - Low fee investment options with expense ratios ranging from 0.030% - 0.10% per year

Flexibility - Use the money for anything child-related and zero penalty for early withdrawals

Control - Guardrails to control how the money is invested and spent until the child becomes an adult

Easy tracking - Adjust your monthly contribution anytime, track your projected growth, and see the asset allocation for your account

Simple and Fast - View account balance, change contributions, and manage transactions with the touch of a button

Low Minimums – Start investing with as little as $25/month. Options for every budget

Secure - Bank-level security and the strongest encryption to keep your sensitive financial data safe


Traditional financial advisors often charge sales commissions and annual fees that eat into your earnings. That can add up to thousands of dollars lost over time. UNest membership is simple, affordable and transparent $2.99/month per account. We also offer a family plan and $5.98/month for families with up to five kids.


The performance results for UNest investment account is based, in part, upon certain hypothetical assumptions which have been compiled by UNest. Hypothetical [Model] performance results may have inherent limitations, some of which are described below. No representation is being made that an investment account will or is likely to achieve profits or losses similar to those shown. In fact, there are frequently significant differences between model or forward-looking projections and performance results subsequently achieved by following a particular strategy. These returns should not be considered as indicative of the skills of the investment adviser. Investments in the investment account involve risk including the loss of principal.


*Other investment charges may apply. Please refer to the Program Description for more details: https://unest.co/advisoragreement/

What’s New

Version 2.14.0

We’ve made some enhancements to streamline our registration process and improved the overall UNest experience

Ratings and Reviews

4.7 out of 5
3K Ratings

3K Ratings

Diannchik ,

Great app. Great experience!!!

I have 2 young kids and have been thinking about the college savings account since they were born but didn’t know where to start. I have been referred to U-nest by a friend of mine and I couldn’t be happier. Everything is done through the app and I mean EVERYTHING from start to finish. I love how easy it is to use and navigate the app. All the info you need is right there. You can start slow with as low as $25/monthly and you can add lump sums whenever your budget allows. Each kid has a separate profile on the app and you can easily see how much money they have at the moment in there. There are also tools right there in app that project how much your kid will have by the time they go to college if you continue at the “current” pace. By clicking around I was able to find where exactly the money is invested. I also get paper monthly statements in the mail. All in all great app!

Yasya Markov ,

First time investing - excellent experience!

U-nest is our first and excellent experience of investing money through an app. Great source to save money for my kids education. The growth and the ability to withdraw the money all tax-free for qualified education expenses mean that every dollar I contribute can multiply faster and cover a greater portion of my kids education expenses. Very easy and quick! Love being able to see the amount my child will have by the time she’s in college. Finding room in our budget for college savings can be difficult, so with U-nest savings plan that is not requiring a significant minimum investment, we can save 25 dollars per month until we are able to save more. We will definitely be using this app from now on since it’s so convenient for us and all family members!

Razipkhadka ,

Very poor service

Im having issue with the app and tried to contact them, they do not answer your call it goes automatically to robot and they response to your email don't know when... frustrating. Seems like you are pouring your money into sand like the water!
Also very poor security on app, I got robbed I think, Ive been investing from past July but my account shows only a month amount which is of this month only.. where is all my money go? Also don't show statements, tax documents and other options in the app. Be careful

App Privacy

The developer, U-Nest, LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • User Content
  • Identifiers
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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