Type your kid's age, your monthly budget, and your tax bracket. Get a side-by-side projection for 529, UTMA, and Roth IRA at age 18, the contribution that fits your budget, and the one-page memo that names the account to open first.
Three-account projection chart, budget-aware monthly recommendation, all-50-state 529 deduction engine, federal bracket and kiddie tax adjustment, open-this-account memo with brokerage name and auto-transfer dollar amount.
Bring a friend who'd use this. Each signup pulls the launch closer.
$4.99 lifetime · or $19 / month SaaS · no charge today
Built by someone who already shipped 30+ tools
For a sense of what shipped looks like: relly.permissionlabs.com ↗
Open the right kid account this weekend, not after another month of comparison articles.
Click any card to jump to its deep dive below.
Built for these decisions.
If any of these are your question, this is the tool.
529 or UTMA if I'm worried my kid skips college?
→ The chart shows the 529 ahead at age 18 by $14,000 on $300 a month with a state deduction, the UTMA ahead by $9,000 in usable cash if college is not the plan. The memo names a state 529 with the deduction and a backup UTMA for flexibility, with the dollar split on one line.
Open one 529 each or one UTMA each, and which brokerage?
→ The plan splits $350 per kid into a state-deduction 529 each, names the brokerage that waives the account minimum, and flags the gift-tax filing thresholds for grandparents. The output is two account-open links and the auto-transfer amounts, ready to set up the same evening.
Does the Roth IRA in the kid's name actually beat the 529 long-term?
→ The projection shows the Roth ahead at age 60 by $180,000 on a $400 annual contribution if the kid never adds another dollar, and ahead at age 18 by zero because Roth is retirement money. The memo recommends the Roth as a layer on top of the 529, not a replacement, with the documentation rules for the chore income laid out.
Will the gift hurt our kid's financial aid in fifteen years?
→ The plan flags grandparent-owned 529 as the lowest-aid-impact option after the 2024 FAFSA rule change, names the state's plan that grandparents can open without being the parent, and writes the one-paragraph reply you can paste to grandma with the account number to wire to.
Three browser tabs, twenty-seven Reddit answers, and the cash is still in checking three weeks after the kid was born.
Your kid was born and the spreadsheet started. Grandparents asked where to send the check. Your partner asked if you opened the 529 yet. You opened three browser tabs. Tab one says 529 is the only way. Tab two says UTMA is more flexible. Tab three says Roth IRA in the kid's name beats both if they earn $400 from chores. You closed all three tabs. Two weeks later the cash is still in checking and the Reddit thread you saved has 338 comments and twenty-seven different answers. Fidelity, Schwab, Vanguard, Acorns, and the state 529 site all pitch you their own product. None of them tell you the difference at age 18 if you put $250 a month in for fifteen years versus $400 a month for nine years. The CFP charges $300 an hour and the calendar opening is six weeks out. The number is not the problem. The plan that names the account, names the monthly amount, and names the brokerage to open it at on Monday is the problem.
Four pieces, one tool.
Each piece ships in the first build for waitlist members. SaaS upgrades layer on top.
Three-account side-by-side projection
Type the kid's current age, the monthly amount, the return assumption, and your tax bracket. The chart plots the 529, the UTMA, and the Roth IRA balance year by year through age 18 and age 30. The gap between the three is the headline. Same contribution, same return, three different account rules. The chart updates as the sliders move, no recompute button.
Tax and state benefit engine
529 state tax deductions are different in every state. UTMA gets hit by kiddie tax above the unearned-income threshold. Roth IRA caps at the kid's earned income or $7,000. The engine reads your state, your federal bracket, and the kid's earned-income status and adjusts every projection line for the real after-tax balance. The number on the chart is what lands, not what you contribute.
Budget-aware monthly recommendation
Type your take-home, your housing, your daycare, your 401k match contribution. The recommender returns the monthly amount that does not break the emergency fund target or the retirement match. The output is a single dollar number with one sentence on why that amount and not higher. The recommendation is conservative on purpose, the goal is a contribution that survives a job change.
Open-this-account memo
Every plan ships a one-page memo. Brokerage name, account type, monthly auto-transfer dollar amount, beneficiary line, and the one form to sign first. Built for parents who close ten tabs and never go back. The memo prints, the link opens the brokerage signup page, the auto-transfer setup screen is named by row in the memo. The next click is the account open page, not another comparison article.
- Default planSurvives 40y
- 2008 stressYear 17
- Aggressive drawYear 11
- ConservativeSurvives 40y
- + Save current scenarioSaaS
Today's tools don't do this.
A CFP fee-only consultation runs $200 to $500 for one hour and the calendar opens four to six weeks out. The opportunity cost of leaving $300 a month in checking for one year on a kid born today is $4,200 in lost growth by age 18 at 7 percent. The cost of opening the wrong account type and paying kiddie tax on a UTMA you should have made a 529 is $800 to $2,400 over the holding window. The memo costs $4.99 once. The wrong account costs the price of the memo a thousand times over.
Web tool. Type the kid's age, your monthly budget, your state, and your federal bracket. Get a three-account projection chart through age 18 and age 30, the recommended monthly contribution, and the one-page memo with the brokerage name, account type, auto-transfer amount, and the next form to sign. Works in any browser on phone or desktop.
Multi-kid plans on one workspace, grandparent gift contribution tracking, 529 to Roth rollover modeling after the 2024 rule change, state-by-state deduction monitor for relocating families, automated annual rebalance email.
Account opening on your behalf, money transfers, ongoing investment management, tax filing. The memo names the brokerage and the form, the parent still clicks the signup link and sets up the auto-transfer.
Which price would get you on the waitlist?
No charge today. The click tells me which tier is real demand. Early access price ≠ launch price.
Want this built?
Drop your email. No charge, no spam. You're saying "yes, I'd actually use this." That's the signal I'm looking for.
Hi, I'm Hyunyoung.
Solo builder · Choppy Toast
This page is a quick vibe-coded probe to test demand and gather feature requests. The actual product, when it ships, will be a polished, hand-built tool, not this scaffold.
For a sense of what "polished and shipped" looks like, here's another product I built: relly.permissionlabs.com.
Honest answers.
Then the page stays live. The waitlist has no expiry. The faster another new parent staring at the same three tabs joins, the faster I build it. Bring the friend who just had a baby. That is the engine.
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5 more on the waitlist and I build this.
No charge today. Drop your email, lock in the early-access price, and you hear first when it ships.
Built by a real person. No silent vaporware.