Reviews of FutureMoney: Early Investing

By: Future Money App

List of user reviews and ratings for FutureMoney: Early Investing

Total ratings

4.80 (Rating count: 167)

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Review summary

Overall, many users praise FutureMoney for kid-focused investing via the Junior Roth IRA, easy onboarding, and supportive guidance, with family-friendly flexibility and tax-aware growth. However, recurring concerns across reviews include trust issues and scam allegations, opaque pricing, difficulty editing account details, withdrawal/bonus payout delays, and a somewhat clunky UI. The app shows strong potential for parents and grandparents to save for children, but reliability and transparency improvements are needed to convert hesitation into confidence.

Pros

Easy onboarding and intuitive UI for setting up child-focused accounts (including the Junior Roth IRA).
Responsive, knowledgeable customer support and portfolio guidance from staff.
Child-focused tax-advantaged accounts with long-term growth potential.
Flexible contribution options for family members (parents and grandparents).

Cons

Trust concerns and fraud allegations appear in multiple reviews, affecting perceived reliability.
Pricing transparency is lacking, with mentions of undisclosed monthly subscription fees.
Account management friction: difficulty editing bank/account details and needing to contact support.
Withdrawal/bonus payout issues: delays and reports of funds not being returned.
Clunky UI and missing advertised features (e.g., easy contributor options) compared to expectations.]
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User Reviews

Recent rating average: 3.40

All time rating average: 4.80

Upgrade to see all 22 reviews

32% (7)

Date	Author	Comment
2026-04-19	Ri*****	Really great at getting back at rapid speeds, really knowledgeable and very helpful
Really great at getting back at rapid speeds, really knowledgeable and very helpful
2026-04-09	yj*****	Reading other reviews, I see mostly 5 stars, but that could be from the developers doing so themselves. The bad reviews say this is a scam, and I am not going to risk it. And seeing as it has few reviews, I think they might be right.
Reading other reviews, I see mostly 5 stars, but that could be from the developers doing so themselves. The bad reviews say this is a scam, and I am not going to risk it. And seeing as it has few reviews, I think they might be right.
2026-02-12	Ro*****	I’ve been attempting for months to inquire when the referral bonus will be paid out, I mean a good 4-6 months. And all they tell me are excuses. I have money invested and have tried to withdrawal it and they are not giving it back. Do not trust this app. I will be reaching out to higher authorities at this point. Save yourself from the hassle people.
I’ve been attempting for months to inquire when the referral bonus will be paid out, I mean a good 4-6 months. And all they tell me are excuses. I have money invested and have tried to withdrawal it and they are not giving it back. Do not trust this app. I will be reaching out to higher authorities at this point. Save yourself from the hassle people.
2025-11-14	Za*****	1 star
1 star
2025-05-20	Ri*****	I started working with this app a few months ago and have already seen positive results. The Junior Roth IRA is awesome. I spoke with Dave one of their portfolio managers and he thoroughly explained all the details. Much better experience than other tools I’ve used before.
I started working with this app a few months ago and have already seen positive results. The Junior Roth IRA is awesome. I spoke with Dave one of their portfolio managers and he thoroughly explained all the details. Much better experience than other tools I’ve used before.
2025-05-17	Al*****	As a parent, I wanted to start saving for my child’s future, and FutureMoney made it so simple. Their plans are flexible and easy to manage, and I feel confident knowing my investments will grow alongside my child.
As a parent, I wanted to start saving for my child’s future, and FutureMoney made it so simple. Their plans are flexible and easy to manage, and I feel confident knowing my investments will grow alongside my child.
2025-05-15	Ма*****	I chose Future Money to secure my child’s financial future, and it was the best decision. Their platform is intuitive, and their support team helped me create a solid investing plan. I love knowing that I’m setting my child up for success when they grow up.
I chose Future Money to secure my child’s financial future, and it was the best decision. Their platform is intuitive, and their support team helped me create a solid investing plan. I love knowing that I’m setting my child up for success when they grow up.
2025-05-14	Ma*****	Saving for my son’s college fund felt overwhelming until I found this app. They helped me develop a step-by-step investment strategy that feels practical and achievable. I feel much better knowing I’m building a solid foundation for his future.
Saving for my son’s college fund felt overwhelming until I found this app. They helped me develop a step-by-step investment strategy that feels practical and achievable. I feel much better knowing I’m building a solid foundation for his future.
2025-04-07	Ca*****	Once you enter your bank accounts or other important info you cannot edit anything. You need to contact customer service to edit the info and to close the account. They are not transparent of charging for their monthly pricing subscription. They will not tell you not until you already create your account.
Once you enter your bank accounts or other important info you cannot edit anything. You need to contact customer service to edit the info and to close the account. They are not transparent of charging for their monthly pricing subscription. They will not tell you not until you already create your account.
2025-01-10	tw*****	Account closure I unfortunately had to close my account due to a financial set back from a health concern and I received a text from Phil and discussed why I needed to close with knowing the why there were some options presented I told Phil I was very impressed with the growth activity and having the security of doing small deposits to grow makes investing and saving so less anxiety producing for those of us that find investing intimidating finance is not my forte But I am completely impressed with their willingness to to work with me offer and explain new things that are being offered So very happy with the options and services offered Thanks Phil!
Account closure I unfortunately had to close my account due to a financial set back from a health concern and I received a text from Phil and discussed why I needed to close with knowing the why there were some options presented I told Phil I was very impressed with the growth activity and having the security of doing small deposits to grow makes investing and saving so less anxiety producing for those of us that find investing intimidating finance is not my forte But I am completely impressed with their willingness to to work with me offer and explain new things that are being offered So very happy with the options and services offered Thanks Phil!