Kindling: Invest Early

Launch price! Free to start: set up a young investor and watch compounding work. Unlock multiple investors, custom accounts, and all the extra tools with one purchase!

Kindling makes the power of investing early something a kid can actually see.

Set up your young investor, pick their accounts, set your assumptions, and watch a small investment grow into a large retirement account over time. It's a hands-on way to show kids, teens, and parents alike why starting early matters so much.

WHY KINDLING

• Simple inputs, clear results. Move a few sliders and the chart climbs.
• Real accounts, real math. Model a Roth IRA, UTMA, or Trump Account. Add custom extra accounts too like 529 plans and more!
• No jargon. Built for kids and teens, useful for parents and teachers.

WHAT YOU CAN DO Grow: Start with one account or add as many as you like. Set the starting amount, contribution, and expected return, then watch it grow over time. Compare: See how timing, contribution amounts, and rate of return change the outcome. Starting earlier has a major impact thanks to compound interest. Math: Curious where the numbers come from? Every formula is shown with your inputs, so you can repeat it in any calculator. Inflation: Today's dollar doesn't buy as much in the future. See the true purchasing power of your investments over a long time horizon.

PRIVATE BY DESIGN Kindling runs entirely on your device. No account, no sign-up, no internet required. We never collect any data, there is no server, and nothing is ever sent over the internet. Your inputs stay 100% on your device.

FREE TO TRY Set up one young investor with a preset account, move the sliders, and watch it grow, completely free. A single one-time purchase (no subscription) unlocks everything else: multiple investors, full account customization, the Compare, Math, and Inflation tools, and PDF sharing.

WHO IT'S FOR Kids and teens getting their first look at investing, parents who want to show their kids the power of starting early, and teachers covering the time value of money. If you're planning for the future or teaching someone you care about, Kindling is for you!