TrustFundMyKid gives every parent the tools to spend, save, and grow money for their kids — with controls, locked savings, and real investments. Not just a wallet. A legacy.
No credit card required · Free to join
Join 247 parents already on the waitlist
How it works
Three layers of money. One account.
Every transfer you make gets split across three buckets — automatically, based on rules you set.
Spend
Daily wallet
Controlled spending across categories you define. Your kid uses a virtual card.
Food, gaming, education, clothing
% limits per category
Real virtual Visa card
Weekly spend reports
S/ 150
example monthly spend budget
Save
Locked vault
Money your kid can't touch — until you decide. Earns interest while it waits.
Locked by parent, unlocked by goal
Earns fixed-term deposit rates
Unlock by age, grade, or event
Kid watches it grow
S/ 80
example monthly savings
Grow
Investments
A portion goes into index funds or ETFs — building real wealth from day one.
Invested in index funds / ETFs
Unlocks at age 18 or a set goal
Kid sees their portfolio grow
The real trust fund layer
S/ 70
example monthly investment
Smart contracts
Money with conditions.
Set unlock rules for saved and invested funds. Your kid earns access — they don't just receive it.
Sofia's college fund
Invested · S/ 4,200 · Growing
Unlocks at age 18
Birthday savings vault
Saved · S/ 650 · Earning interest
Unlocks Dec 15
School reward fund
Saved · S/ 300 · Locked
Unlocks on top grades
Watch it grow
S/ 50/month. 18 years. See what happens.
Saved
Invested (7% avg)
Illustrative only. Investment returns are not guaranteed.
Getting started
Up and running in minutes
1
Create your family account
Add your kid's profile and set how you want to split money across Spend, Save, and Grow.
2
Set your unlock conditions
Decide when saved and invested funds unlock — by age, milestone, or event.
3
Top up instantly
Send money from your phone in seconds. It's split automatically across all three layers.
4
Watch your kid's future grow
Both you and your kid see the wallet, the vault, and the investments — in real time.
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"I built this because trust funds shouldn't be a privilege. Every parent wants to build something for their kids — they just never had the tools. Now they do."