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


Imagine a brighter future for your kids, then take the first step in building it with UNest. Make bi-weekly or monthly contributions to your child's account and earn money from the brands you love when you shop.

UNest makes it easy to build a solid financial foundation. With a custodial account, smart investing tools, and a variety of options, we help you manage your family finances effortlessly.

A UTMA is the basis of every UNest account. This allows the funds you save to grow tax-free for the benefit of your child. In addition, the funds you've invested can be withdrawn and used for any child-related expenses without penalty.*
With our relentless dedication to building a safe and secure investment app, you can rest easy and focus on what's truly important to your family with UNest.


Make recurring contributions, track your investment growth, and choose from a simple selection of investment options.

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. Depending on your tax situation, your account may enjoy tax benefits.

Our Core subscription plan starts at $4.99/month, $39.99/year, or $149.99 for life and includes an expert-built diversified portfolio, opportunities to earn rewards, and helpful financial learning resources. There are no hidden costs or transaction fees, just one transparent payment. You can cancel your plan at anytime.

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.

UNest charges a subscription fee for the services provided as part of UNest Membership, including personal use of the UNest app. UNest Holdings, LLC charges this fee; however, it also covers any advisory services UNest Advisers, LLC provides. You can manage your subscription by going to your account settings after purchase. Recurring billing, cancel anytime.

Please refer to the Program Description for more details at http://unest.co/iaa

Disclosures are available at http://unest.co/legal

For more details refer to our Terms at http://unest.co/terms

Privacy Policy available at http://unest.co/privacypolicy

What’s New

Version 2.76.0

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.

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