UNest: Investing for Your Kids 4+

Family Finance Made Easy

U-Nest, LLC

    • 4.7 • 3.7K Ratings
    • Free
    • Offers In-App Purchases

iPhone Screenshots


Invest in your kids’ future and receive unlimited monetary contributions from friends and family. Earn money into your child’s account by shopping with the brands you love.

Building a solid financial foundation is easier with UNest. We make managing your family finances effortless with custodial accounts, smart investing tools, and diverse options.

With a UTMA account through UNest, you have the flexibility to use your funds for any child-related purchases and withdraw cash from your accounts without penalty* UNest takes the stress out of building a financial future and makes it more rewarding.

As a safe and secure investment app, UNest lets you focus on what truly matters for your family.

Imagine a brighter future for your kids, then take the first step in building it with UNest.


Choose from 5 simple investment options, set up recurring contributions, and easily track your investment growth with a tap.

Share your Gift Link with friends and family. They can invest in your kid’s account in seconds without downloading anything.

Stash more cash right into your child’s account simply by shopping at the brands you love. Earn rewards & discounts when you purchase products from within the UNest app.

Invest safely thanks to our industry-leading, bank-level encryption that helps keep your financial data secure.

Life getting in the way? No worries. Make free withdrawals for child-related emergencies* or use funds for any child-related costs such as college tuition or a down payment.

Invite friends to UNest and receive a $50 reward after they sign-up.

$4.99/month or $39.99 for an annual membership. Earn up to $2,100 of tax benefits every year on the potential earnings of your account.

Download UNest and start building your child’s financial future today! If you have any questions, don’t hesitate to reach out at support@unest.co

* Funds may be subject to capital gains tax



Any and all offers related to cryptocurrency are made by UNest Crypto, LLC. This is not an offer to buy or sell any securities or invest in any particular strategy. This offer is not affiliated with UNest Advisors, LLC or UNest Securities, LLC.

Cryptocurrencies are not stocks and your cryptocurrency investments are not protected by either FDIC or SIPC insurance. Crypto Investing involves significant risk, including but not limited to market swings, and flash crashes. Cryptocurrency markets and exchanges are not regulated with the same controls and protections as equity trading. UNest Crypto accounts are not UTMA/UGMA’s. They are individual accounts in your name and are treated as such for tax, reporting, and legal purposes.

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

What’s New

Version 2.72.0

We improved some of our flows so that your UNest experience is even better

Ratings and Reviews

4.7 out of 5
3.7K Ratings

3.7K 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

    Some in‑app purchases, including subscriptions, may be shareable with your family group when Family Sharing is enabled.

You Might Also Like