Want a 82% off FutureMoney coupon code for www.futuremoney.co? Then click to unlock the discount promo offers below before they expire:
Latest FutureMoney Coupon Codes & Promo Discount Deals
- Save 82% off with this limited-time FutureMoney discount code:
1. What Is FutureMoney?
FutureMoney is a goal-based investment platform built specifically for families — making it simple to invest for children, build generational wealth, and access tax-advantaged accounts that most investment apps don’t offer.
It’s designed for parents, couples, grandparents, and individuals who want to start investing early for their children’s futures — without needing financial expertise. What sets it apart is the exclusive Junior Roth IRA, which no other investment platform currently offers.
Their community is already on track to invest over $3.9 billion — a compelling sign of real momentum.
Core use cases include:
- Saving for education — 529 plans and Custodial Roth IRAs
- Building retirement wealth — Roth IRA and Traditional IRA
- General family investing — flexible, goal-based accounts
- Gifting from friends and family — direct contributions to a child’s future
2. Who Created FutureMoney?
FutureMoney is led by Philip Barrar, CEO, and was founded with a mission that began in 2014. The company is headquartered at 1 Washington St., Boston, MA and operates as Future Money Inc.
The team brings experience from some of the world’s most respected fintech and tech companies — including Betterment, Acorns, Monzo, Google, WorldRemit, Moka, and Tactex Asset Management. That’s a genuinely impressive pedigree for a family-focused investment platform.
FutureMoney is a registered SEC investment adviser operating as FutureMoney RIA, LLC. The platform works with industry-leading custodians including Alpaca Securities LLC, Altruist Financial LLC, and Charles Schwab — giving it a rock-solid institutional foundation.
3. How Much Does FutureMoney Normally Cost?
FutureMoney uses transparent, income-based tiered pricing to keep investing accessible to every family:
- Starter — Free. No subscription fee. Designed for smaller account balances. Option to upgrade anytime.
- Pro — $5/month or $48/year (for accounts under $20,000). 0.25% management fee. Includes Roth IRA, 529, General Investing, Junior Roth IRA, Custodial Roth IRA, Family Payroll, and Advisor video calls.
- Generations — $15/month or $120/year (for accounts under $60,000). 0.20% management fee. All Pro features included.
Income-based discounts on Pro plan:
- Under $30,000 household income — completely free
- $30,000–$50,000 — 50% discount ($24/year)
- $50,000+ — standard pricing ($48/year)
Minimum investment starts at just $5 — compared to thousands required by other platforms.
4. What Are The Benefits Of Using FutureMoney?
The biggest benefit is making long-term family wealth-building genuinely simple and accessible — regardless of income level or financial knowledge.
- Start with just $5 — far lower than competing platforms
- Exclusive Junior Roth IRA — tax-free growth for children, no earned income required
- Tax-advantaged accounts — multiple options to keep more money in the family
- Income-based pricing — free for families earning under $30,000/year
- Friends and family gifting — loved ones can contribute directly to goals
- Expert-managed portfolios — no prior investing experience needed
- SIPC protection up to $500,000 — institutional-grade security
- Compound growth from day one — small contributions grow significantly over time
5. What Are The Main Features Of FutureMoney?
FutureMoney delivers a comprehensive family investing feature set in one simple app:
- Junior Roth IRA (exclusive) — invest up to $35,000 tax-free for your child, no employment income required
- 529 Savings Plan — tax-free growth for education expenses
- Custodial Roth IRA — tax-free wealth via IRS-compliant household task employment
- 530A “Trump Account” — coming soon; $1,000 federal grant for 2025–2028 births
- Traditional IRA and Roth IRA — retirement planning with tax advantages
- General Investing Account — flexible, goal-based investing with full control
- Gifting feature — friends and family contribute directly to goals
- Personalized risk-based portfolios — automated, diversified index investing
- Automated dividend reinvestment — hands-free compounding
- Video calls with Advisors — expert guidance on Pro and Generations plans
- AES-256 bank-level encryption — SOC2 compliant data security
6. What Companies And Brands Use FutureMoney?
FutureMoney is designed for families, couples, and individuals rather than enterprise clients. However, their website confirms active B2B and partnership channels beyond individual users.
Their partner programs include:
- Employers — offering FutureMoney as a family financial benefit
- Financial Advisors — using the platform for client family wealth planning
- Financial Services partners — integrating FutureMoney into broader product offerings
- Affiliates — a structured referral and affiliate program
Individual users span a broad professional range — account executives, HR managers, software developers, financial analysts, teachers, and stay-at-home parents all appear in their testimonials. Their community represents families at every income level, supported by the income-based pricing model that makes the platform free for lower-income households.
7. How Have They Benefited From It?
FutureMoney’s testimonials show consistent themes: simplicity, confidence, and measurable progress toward family financial goals.
- Susan D., Account Executive — called it “the best decision” for securing her child’s financial future, praising the intuitive platform and advisor guidance
- Robert H., Financial Analyst — said saving for his son’s college fund felt overwhelming until FutureMoney gave him a practical step-by-step strategy
- Daniel K., Software Developer — highlighted transparent terms, wide product range, and professional advisor explanations as standout positives
- Mary H., Stay-at-Home Mom — praised the intuitive platform and solid savings plan created with advisor support
Their community is collectively on track for over $3.9 billion in projected investments — a number that speaks for itself.
8. Does FutureMoney Come With A Satisfaction Guarantee?
Their website doesn’t advertise a formal money-back guarantee — which is standard for regulated investment platforms. However, they reduce risk and build trust in multiple meaningful ways:
- Free Starter plan — begin investing with no subscription fee and no minimum beyond $5
- SIPC protection up to $500,000 — institutional-grade coverage on all investment accounts
- SEC-registered investment adviser — full regulatory accountability and compliance
- SOC2 compliant + AES-256 encryption — bank-level data and account security
- Investments protected if FutureMoney closes — assets held by independent custodians, fully transferable
- Income-based pricing — free for families earning under $30,000/year
- Video advisor calls — expert guidance available before and after committing to a plan
For a regulated investment platform, this level of structural protection is among the strongest I’ve seen at this price point. Please note that all investments involve risk, including possible loss of principal. I’d recommend consulting a financial advisor before investing.
9. What Other Deals Can You Kindly Bestow Upon Me?
Check out our daily deals page to browse all the latest deals and discounts on marketing, design, and creative tools and tech. Most of these deals are like a fart in the wind – only available for a limited time. So if you want to save money on something you were going to buy anyway, bookmark the page and check it out daily…