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UNest is an easy-to-use mobile app that helps you save and invest in your kids’ education. Your money grows tax-free when you use it for tuition, student housing, books, computers, and other educational expenses.

It’s a great way to invest in your kid’s future!

UNest is on a mission to eliminate student debt and provide financial products that make life better for all American families. UNest is a fully accredited and registered Financial Advisor with the U.S. Securities and Exchange Commission, and the dollars you put towards your kid’s future are invested with one of the largest investment managers in the U.S.

Using the UNest college savings app is a great way to save money for education in a 529 College Savings Plan. While most people use 529 plans to save for college, you can use them for all types of education. Compared to a traditional savings or investment account, UNest offers tax advantages on qualified education expenses. Check out UNest’s additional benefits here: https://unestapp.com/

- Create an account in just five minutes – no long, painful forms
- Link your checking account and automatically transfer money each month to secure your child’s future
- Use the mobile app to see how close you are to your goal


Traditional financial advisors often charge sales commissions and annual fees that eat into your earnings, That can add up to thousands of dollars lost by the time you’re ready to pay for college. UNest charges a flat, transparent $3/month per account.


Easy Setup - Everything happens in the app, no papers to print and mail.

Tax-free growth - Your money grows tax-free when you use it for tuition, student housing, books, computers, and other educational expenses.

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

Personalized Goals - Establish your goals with UNest’s college calculator. Choose an amount that is right for you based on your budget, your child’s age, and type of school.

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

Low Minimums – Start investing in your child’s future with as little as $25/month. UNest makes saving easy for every budget.

Secure - UNest uses bank-level security and the strongest encryption to keep your sensitive financial data safe.

Flexible - Create separate accounts for each of your kids. Set goals in seconds, view account balances, change contributions, and manage transactions, all from the app.

Personalized Portfolio - UNest picks an investment portfolio based on your child’s age. The investment manager constantly optimizes the asset allocation as your child gets older.

Investments managed by some of the largest investment management firms in the United States.

*** COST ***

UNest charges a simple monthly advisory fee of $3 per account*.


The performance results for UNest’s 529 plan 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 a 529 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 a 529 plan investment account involve risk including the loss of principal.


*Other investment charges may apply. Please refer to the Program Description for more details: https://unestapp.com/529_Program_Description.pdf

What’s New

Version 1.0.55

We've made some enhancements to streamline our registration process and improve the overall UNest experience.

Ratings and Reviews

4.6 out of 5
370 Ratings

370 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!

Ibram03 ,

College Saving made Simple!

An app that finally provides a solution to college savings. U-Nest makes it extremely easy to signup for a 529 account and easily connected to my bank so I can make my monthly contributions. I was also able to make separate accounts for my kids and the U-Nest calculator helped me calculate the exact amount I need to save each month. I now have peace of mind when it comes to saving for my kids college. Thank you U-Nest for creating this app!


U-Nest Holdings LLC
128.6 MB

Requires iOS 10.3 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating


  • Family Sharing

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

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