Investing for Kids Calculator
See how a small head start today could grow into a meaningful sum by the time your child reaches adulthood.
Your details
Projected balance at age 18
$18,739
Initial deposit
$500
Total contributions
$9,600
Investment return
$8,639
This calculator gives an estimate only, assuming a constant annual growth rate. It does not account for taxes, fees or inflation, and is not financial advice.
How to use this calculator
- 1. Enter your child's current age and the age you're investing until, such as 18.
- 2. Enter an initial deposit and how much you plan to add regularly, plus your expected growth rate.
- 3. The calculator projects the balance at your chosen target age, with a year-by-year breakdown.
FAQ
Why does starting early make such a difference?
The longer money stays invested, the more time it has to compound. Starting when a child is young, even with small amounts, can lead to significantly more growth than starting a few years later.
What account should I use to invest for a child?
This calculator doesn't recommend a specific account type. Options vary by country and may include custodial brokerage accounts, education savings accounts, or investments held in a parent's name, so consider speaking with a financial adviser about what suits your situation.
Does this factor in tax on a child's investment income?
No. Tax treatment of investments held for children varies significantly depending on where you live and how the account is structured, so it isn't included in this estimate.
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Disclaimer
The results provided by this calculator are estimates only, based on the assumptions you enter, and are not a prediction or financial advice. Actual investment returns will vary. Consider speaking with a licensed financial adviser before making any financial decision.