Goalsetter

What is Goalsetter?

Goalsetter is a savings and investing platform built for children and teenagers. According to the app’s website, it combines a custodial bank account with a brokerage account, both of which the description reports as FDIC-insured. The product also includes a built-in financial education component delivered through short quizzes. A feature called “gift-link funding” lets family members send money directly to a child’s account via a shareable link, which removes the need for cash or physical gift cards. The app is available on mobile devices and is marketed as a way for parents to introduce saving, spending, and investing concepts to their children in a controlled environment. The service is offered by Goalsetter, a company that has been in the market for several years; as of 2026, the platform continues to operate with the same core features.

Who is Goalsetter for?

Goalsetter is aimed at parents and guardians who want to teach financial literacy to their children, roughly ages six to eighteen. The app is designed to be used jointly: parents open and manage the account, while children have limited access to view balances, take financial quizzes, and, depending on the plan, initiate trades under parental approval. The gift-link feature makes it relevant for extended family members (grandparents, aunts, uncles) who want to contribute to a child’s savings without setting up their own accounts. The educational quizzes are targeted at different age groups, so the app can serve families with multiple children at different learning levels. Because the platform covers both savings and investing, it is intended for families who want more than a basic custodial account—those looking to start long-term investing early. However, the app’s documentation does not mention any specific partnerships with schools or financial institutions beyond standard banking integrations.

How much does Goalsetter cost?

Goalsetter operates on a subscription model. The app’s website lists a starting price of $3.95 per month for a single child account. This is the only fee confirmed in the available data; no information about transaction fees, account closure fees, or minimum balance requirements is provided in the pricing overview. The term “plans from” implies that higher‑tier options exist with additional features (for example, investing access or multiple children), but the exact price points and feature breakdowns are not disclosed in the basic description. Because the fee structure is not fully verified, any estimate of total annual cost beyond the $3.95‑per‑month starting point would be speculation. Potential users should review the full pricing page on Goalsetter’s website to understand all charges before signing up. The subscription model differs from some competitors that charge flat annual fees or a percentage of assets under management.