Your child already has a $1,000 head start.
Let's grow it.
The government planted $1,000 in your child's investment account. Seedling automatically grows it — adding to their account every time you make a qualifying purchase. No transfers. No reminders. Just shop.
Don't qualify for the $1,000? Every child under 18 can still have an account — and Seedling works the same way.
Free to download. Launching July 2026.
HOW IT WORKS
Three steps. Then nothing.
Link your bank
Connect securely in under a minute. We use Plaid — trusted by millions of apps.
Choose your triggers
Pick which purchases count. Groceries, coffee, gas — or everything.
Watch it grow
Every qualifying purchase automatically adds to your child's account. You don't lift a finger.
Built for parents. Not investors.
Most savings tools are designed for people who already know what they're doing.
Seedling is for parents who want to do right by their kids — and don't have time to figure out brokerage accounts, contribution limits, and investment options.
No investing knowledge required
We handle the investment side. You just shop.
Your money stays yours
You control how much goes in. Pause or stop anytime.
Backed by real institutions
Accounts are held by Robinhood and BNY Mellon — not a startup.
Small amounts. Real money.
See what happens when everyday purchases add up over time.
| Occasional | Regular | Often | |
|---|---|---|---|
| Purchases per week | 2 | 4 | 7 |
| Amount per purchase | $3 | $5 | $5 |
| Per year | ~$312 | ~$1,040 | ~$1,820 |
| At age 18 (7% return) | ~$11,200 | ~$37,400 | ~$65,500 |
Estimates assume 7% average annual return. Not a guarantee. All investing involves risk.
Your child's money is safe. Here's why.
Government-backed accounts
Child investment accounts (Section 530A) are established by U.S. federal law. The $1,000 starting contribution comes directly from the U.S. Treasury for eligible children born 2025–2028.
Held by regulated institutions
Your child's account is held at federally regulated financial institutions — not at Seedling. Seedling automates your contributions. We never custody your money.
Bank-level security
We connect to your bank via Plaid — the same technology trusted by Venmo, Coinbase, and thousands of other apps. We can see transactions, but we can never access or move your money without your explicit permission.
Be first in line.
Seedling launches July 2026. Join the waitlist for early access and updates.