They grow up so fast. So can their college fund.

You don’t need to take Accounting 101 to start saving for your child’s future college. With a Wealthfront 529 account, your savings can grow tax-free while we manage the trades and automatically adjust your risk over time. We’ll even set you up with a personalized plan to help you budget for their dream school. And the sooner you start to save, the more you stand to earn. Which means less time stressing and more time helping with the homework.

Goals

  • $137,672
  • $1.3M net worth at 65
  • Today
  • Age 80
  • Automated Bond Portfolio
  • $5,000.00 Individual Long-term investing
  • $66,656.00 Wealthfront · Individual

529 Account

Individual

$45,480.59

Meet the Wealthfront 529. A tax-advantaged account for education.

With the Wealthfront 529 plan you can pay for qualifying college-related expenses (including $10K per year you can use for primary school) and you won’t owe federal taxes on your distributions. And with the help of our software, you won’t have any extra work to do either. That is, besides parenting, which is hard enough.

Easy to manage alongside your other Wealthfront accounts

Automatic risk reduction as your child approaches college

Real-cost college planning

Tax-free growth

Open to residents of any state (no income limits for contributors)

Flexible beneficiary changes

See their plan

We’ll help you estimate the future cost of college (with adjustments for inflation and cost increases) and build you a plan to help you save accordingly. We’ll even help you anticipate what your child might be able to expect from financial aid.

Automate your savings

You can easily track your progress and manage your contributions in the app. Whether you superfund their account all at once or save a little every month, we’ll automatically allocate your deposits and rebalance your portfolio to reduce risk as your portfolio nears maturity.

Manage risk

Saving should be a point of pride, not worry. Over time, as college approaches, our software will automatically adjust your allocations to reduce your exposure to risk so you’ll be in the best position to meet your savings goals.

Pop quiz! How much more could you earn by investing earlier?

The cost of college isn’t getting cheaper, but saving early might help you (and your kids) pay a lot less later. Thanks to the magic of compounding with tax-free gains, saving early means more time for your money to grow. And the more you can earn in returns, the less you’ll pay out of pocket.

See how much you could save.

Monthly contribution

$700

Current age

2

Initial deposit

$10,000

Risk score

8

$213,538.59

Small fee. Big future.

We think the sticker shock of education shouldn’t continue to the cost of saving. Like our automated index investing portfolios, our management fee is just 0.25% per year. With an all-in expense target of 0.39%–0.45%, you’ll get a 529 that makes saving for college easier, and more approachable. Learn more

While your savings grow tax-free, you’ll get the benefit of our industry-leading automation and the delightful ease of our award-winning app, not to mention the peace of mind that comes with a proper plan.

529 plan fees

  • Management Fee: 0.25%
  • Administration Fees: 0.06%
  • Portfolio Expense Ratios: 0.08-0.14%
  • Total Fees: 0.39-0.45%

For your short term and your long term. Not just their midterms.

Saving and investing for your short term, long term, and beyond. We’ve got the right account for any goal.

"NOW" MONEY

Cash Account

Your short-term cash doesn’t have to just sit collecting dust. Get it earning an industry-leading 3.30% APY from program banks until you’re ready to invest. You’ll also get up to $8 million in FDIC insurance through program banks and unlimited withdrawals, so you can access your cash whenever you need it.

"LATER" MONEY

Automated Investing Accounting

Take the busywork out of investing with our expert-built portfolios of index funds. Our Automated Investing Account helps you manage unnecessary risk, minimize your taxes with Tax-Loss Harvesting, and maximize your returns — all done automatically and built for the long-term.

"NEST EGG" MONEY

Individual Retirement Account

Our automated IRAs are tax-advantaged accounts, intended to help you grow your future wealth. Choose one of our expert-built portfolios or customize it yourself with hundreds of ETFs and innovative opportunities like tech, clean energy, crypto exposure and more.

Looking for answers? Our FAQs can help.

Still deciding if we’re right for you? Read our 529 Whitepaper or learn more at our help center.

The Wealthfront 529 College Savings Plan (Plan) is administered by the Board of Trustees of the College Savings Plans of Nevada (Board). Ascensus Broker Dealer Services, Inc. serves as Program Manager, and Wealthfront Advisers LLC (“Wealthfront Advisers,” and the successor investment adviser to Wealthfront Inc.), a SEC-registered investment adviser, serves as the investment adviser to the Plan.