Halfmore: Roth IRA for Children

Your child's Roth IRA.

Set up in minutes.

IRS-compliant.

Who qualifies
to use Halfmore?

(Age, states, and more)

Trusted by parents.

Backed by experts.

Built to grow with
your child.

Unlock wealth-building for
your child years ahead of
peers

Start at age 5. Just $50 a week.
You could give your child over
$2 million in tax-free growth by
retirement with a custodial Roth IRA.

$2M+

Turn household tasks into financial assets

Halfmore helps convert your child's household tasks into IRS-compliant income, fueling a custodial Roth IRA with decades of tax-free growth.

Benefits beyond retirement

Use the funds for higher education, a first home, or medical expenses - create flexibility with long-term security.

Build financial habits for life

Instill powerful financial learnings of earning, saving, and investing, all through your child's age-appropriate chores.

Halfmore makes it simple to turn your child's household tasks into legitimate, IRS-compliant income.

Turn household tasks into earned income

- From babysitting to mowing the lawn, Halfmore structures household work into compliant, reportable income.

Ensure IRS compliance

- We handle the paperwork - W-2, wage tracking, and employment documentation - to be IRS-compliant and audit-ready.

Contribute to major broker

- Stay in control of your investments by using your Roth IRA provider of choice - Fidelity, Vanguard, Charles Schwab, or others.

Halfmore makes it simple to turn your child's household tasks into legitimate, IRS-compliant income.

Turn household tasks into earned income

- From babysitting to mowing the lawn, Halfmore structures household work into compliant, reportable income.

Ensure IRS compliance

- We handle the paperwork - W-2, wage tracking, and employment documentation - to be IRS-compliant and audit-ready.

Contribute to major broker

- Stay in control of your investments by using your Roth IRA provider of choice - Fidelity, Vanguard, Charles Schwab, or others.

Your child earns income with Halfmore
—funded directly into the industry's best Roth IRA providers.

Made for busy parents
—Set up your child's Roth IRA in 10 minutes

1. Create a compliant employer relationship

Halfmore establishes a bona fide legal employment relationship for your child and sets up all the paperwork.

2. Assign household tasks

You decide and monitor the tasks. We help ensure they meet IRS and child labor laws.

3. We handle the rest

From running payroll and submitting W-2s to routing contributions and even handling tax reporting, we've got you covered.

1. Create a compliant employer relationship

Halfmore establishes a bona fide legal employment relationship for your child and sets up all the paperwork.

2. Assign household tasks

You decide and monitor the tasks. We help ensure they meet IRS and child labor laws.

3. We handle the rest

From running payroll and submitting W-2s to routing contributions and even handling tax reporting, we've got you covered.

Made for busy parents -
Set up your child's Roth
IRA in 10 minutes

1. Create a compliant employer relationship

Halfmore establishes a bona fide legal employment relationship for your child and sets up all the paperwork.

2. Assign household tasks

You decide and monitor the tasks. We help ensure they meet IRS and child labor laws.

3. We handle the rest

From running payroll and submitting W-2s to routing contributions and even handling tax reporting, we've got you covered.

1. Create a compliant employer relationship

Halfmore establishes a bona fide legal employment relationship for your child and sets up all the paperwork.

2. Assign household tasks

You decide and monitor the tasks. We help ensure they meet IRS and child labor laws.

3. We handle the rest

From running payroll and submitting W-2s to routing contributions and even handling tax reporting, we've got you covered.

Here’s what Halfmore users are saying:

- Jeff M.

“Halfmore makes it easy to teach our child responsibility while providing a financial head start. The platform is clear, thoughtful, and built with families in mind. We feel great knowing we're helping our child build long-term security.”

Clear, thoughtful, and built with families in mind

Jeff

Halfmore makes it easy to teach our child responsibility while providing a financial head start. The platform is clear, thoughtful, and built with families in mind — we feel great knowing we’re helping our child build long-term security.

Great easy way to save for children’s Roth IRA

mekakitsune

Before I was doing my own payroll for my kids through QuickBooks but I discovered Halfmore and it’s actually cheaper and easier than trying to do it myself. I love the app and how I can track chores to my kids and get the documents I need to retain such as paystubs tax forms etc. A real hidden gem.

Simple & effective

jamie

I was initially nervous about opening Roth IRA for my child but this app made the process stress-free and secure! Its super straightforward and provides clear guidance! Couldn’t recommend it more!

The experience with Halfmore has been remarkably easy

DonicaJean

They do all the difficult parts for you - getting a business set up, processing payroll, sending contributions to the Roth IRA. So glad we found these folks at Maker Faire and my kid pestered me to get it set up!

Easiest way to set your kids up to be millionaires

LKalani

The app is awesome; very user-friendly! The customer support is top notch. I hit a couple of tiny snags during the set-up phase, but after that everything else has been smooth sailing. I’m so glad that I found them…and you will be too.

Really Well Put Together

SunsetCK

This app has been easy to use, and helps save for the kids. The only drawback, is if you forget to check off the chores each day, it only allows you to go back 1 week, so you have to check all the chores frequently. I’ve recommended this app to my friends w kids.

Makes maintaining a custodial Roth IRA easier!

FatFIRESoon

This is a great and intuitive app for dealing with the paperwork associated with setting up a custodial Roth IRA

Clear, thoughtful, and built with families in mind

Jeff

Great easy way to save for children’s Roth IRA

mekakitsune

Simple & effective

jamie

I was initially nervous about opening Roth IRA for my child but this app made the process stress-free and secure! Its super straightforward and provides clear guidance! Couldn’t recommend it more!

The experience with Halfmore has been remarkably easy

DonicaJean

Easiest way to set your kids up to be millionaires

LKalani

Really Well Put Together

SunsetCK

Makes maintaining a custodial Roth IRA easier!

FatFIRESoon

This is a great and intuitive app for dealing with the paperwork associated with setting up a custodial Roth IRA

Simple, transparent pricing designed for all parents

$9.99 / mo

Up to 5 children per family

Establish household employment

Run payroll with automated payments

Report state and federal taxes

Ensure audit-ready documentation

Automate Roth IRA contributions

Track investment growth

Use your preferred brokerage

$9.99 / mo

Up to 5 children per family

Establish household employment

Run payroll with automated payments

Report state and federal taxes

Ensure audit-ready documentation

Automate Roth IRA contributions

Track investment growth

Use your preferred brokerage

* We do not manage your child's Roth IRA or charge fees based on the amount you contribute.

Simple, transparent pricing designed for
all parents

$9.99 / mo

Up to 5 children per family

Establish household employment

Run payroll with automated payments

Report state and federal taxes

Ensure audit-ready documentation

Automate Roth IRA contributions

Track investment growth

Use your preferred brokerage

* We do not manage your child's Roth IRA or charge fees based on the amount you contribute.

Frequently Asked Questions

See more posts

Start early, compound forever,
and give your child the financial head start
they'll thank you for.

Start early,
compound forever,
and give your child
the financial head start
they'll thank you for.

Join over 1,000 parents who have discovered that Halfmore is the smartest way to build their child's financial future through a custodial Roth IRA—while also teaching financial habits that inspire bigger dreams.

Ask Us Anything: Live Q&A

Join our live Intro + Q&A session to learn the basics of Halfmore and get answers to all your questions.
We are here to support.

Join our live Intro + Q&A session to learn the basics of Halfmore and get answers to all your questions.

We are here to support.

Or contact us directly at support@halfmore.co

Help your child
retire a millionaire

Unlock lifelong wealth through a custodial Roth IRA

•Starting at age: 5

•Contribution: Just $50 a week

•Your child’s expected return: $1.7M in tax-free growth by retirement

(Versus $304k starting at age 25)

Help your child
retire a millionaire

Kickstart your child’s future
with a custodial Roth IRA

Get started in just 10 minutes

* Projections are based on a 8% annual return.

Your child's Roth IRA
made easy

Skip the hours of paperwork and rules.
Enjoy lifelong benefits: tax-free growth, compounding interest, and early access for milestones¹.

Child in business suit climbing growth chart steps

At Halfmore, we handle the complex legal, payroll, and tax requirements², so you can focus on what matters most: your child's future.

¹ Roth IRAs can be used for qualified expenses such as higher education, first-time home purchase, or certain medical needs. Restrictions apply.

² Requirements include earned income requirements, contribution timing, tax filings, and payroll setup.

How it works

Halfmore turns your child’s household tasks into
earned income, letting you contribute to their
Roth IRA in minutes.

1. Create a compliant employer relationship

Halfmore establishes a bona fide legal employment relationship for your child and sets up all the paperwork.

2. Assign household tasks

You decide and monitor the tasks. We help ensure they meet IRS and child labor laws.

3. We handle the rest

From running payroll and submitting W-2s to routing contributions and even handling tax reporting, we've got you covered.

1. Create a compliant employer relationship

Halfmore establishes a bona fide legal employment relationship for your child and sets up all the paperwork.

2. Assign household tasks

You decide and monitor the tasks. We help ensure they meet IRS and child labor laws.

3. We handle the rest

From running payroll and submitting W-2s to routing contributions and even handling tax reporting, we've got you covered.

How it works

Halfmore turns your child’s household tasks into earned income, letting you contribute to their Roth IRA in minutes.

1. Create a compliant employer relationship

Halfmore establishes a bona fide legal employment relationship for your child and sets up all the paperwork.

2. Assign household tasks

You decide and monitor the tasks. We help ensure they meet IRS and child labor laws.

3. We handle the rest

From running payroll and submitting W-2s to routing contributions and even handling tax reporting, we've got you covered.

1. Create a compliant employer relationship

Halfmore establishes a bona fide legal employment relationship for your child and sets up all the paperwork.

2. Assign household tasks

You decide and monitor the tasks. We help ensure they meet IRS and child labor laws.

3. We handle the rest

From running payroll and submitting W-2s to routing contributions and even handling tax reporting, we've got you covered.

Get started in minutes

Why parents trust Halfmore

Ensure IRS compliance

We handle the paperwork, including W-2s, wage tracking, employment agreements, and documentation, to ensure IRS compliance and audit readiness.

Keep your broker

Stay in control of your investments by using your Roth IRA provider of choice.

Save time and money

Get started for just $9.99 / month - save thousands of dollars and countless hours in legal, accounting, and tax admin.

Backed by financial experts.

“A Roth IRA is one of the smartest ways to build long-term wealth especially when you start early. Halfmore removes the complexity and makes it accessible for every family.”

Doug Radtke, CPA

Thousands of parents build wealth with Halfmore

- Jeff M.

Clear, thoughtful, and built with families in mind

Jeff

Great easy way to save for children’s Roth IRA

mekakitsune

Simple & effective

jamie

I was initially nervous about opening Roth IRA for my child but this app made the process stress-free and secure! Its super straightforward and provides clear guidance! Couldn’t recommend it more!

The experience with Halfmore has been remarkably easy

DonicaJean

Easiest way to set your kids up to be millionaires

LKalani

Really Well Put Together

SunsetCK

Makes maintaining a custodial Roth IRA easier!

FatFIRESoon

This is a great and intuitive app for dealing with the paperwork associated with setting up a custodial Roth IRA

Clear, thoughtful, and built with families in mind

Jeff

Great easy way to save for children’s Roth IRA

mekakitsune

Simple & effective

jamie

I was initially nervous about opening Roth IRA for my child but this app made the process stress-free and secure! Its super straightforward and provides clear guidance! Couldn’t recommend it more!

The experience with Halfmore has been remarkably easy

DonicaJean

Easiest way to set your kids up to be millionaires

LKalani

Really Well Put Together

SunsetCK

Makes maintaining a custodial Roth IRA easier!

FatFIRESoon

This is a great and intuitive app for dealing with the paperwork associated with setting up a custodial Roth IRA

Simple, transparent pricing designed for all parents

$9.99 / mo

Up to 5 children per family

Establish household employment

Run payroll with automated payments

Report state and federal taxes

Ensure audit-ready documentation

Automate Roth IRA contributions

Track investment growth

Use your preferred brokerage

$9.99 / mo

Up to 5 children per family

Establish household employment

Run payroll with automated payments

Report state and federal taxes

Ensure audit-ready documentation

Automate Roth IRA contributions

Track investment growth

Use your preferred brokerage

* We do not manage your child's Roth IRA or charge fees based on the amount you contribute.

Simple, transparent pricing designed for
all parents

$9.99 / mo

Up to 5 children per family

Establish household employment

Run payroll with automated payments

Report state and federal taxes

Ensure audit-ready documentation

Automate Roth IRA contributions

Track investment growth

Use your preferred brokerage

* We do not manage your child's Roth IRA or charge fees based on the amount you contribute.

Frequently Asked Questions

Ask Us Anything: Live Q&A

Join our live Intro + Q&A session to learn the basics of Halfmore and get answers to all your questions.
We are here to support.

Join our live Intro + Q&A session to learn the basics of Halfmore and get answers to all your questions.

We are here to support.

Or contact us directly at support@halfmore.co

Where your child's financial journey begins.

Company

Legal

Support

Where your child's financial journey begins.

Company

Legal

Support

Your child's Roth IRA.

Set up in minutes.

IRS-compliant.

Who qualifies to use Halfmore?

(Age, states, and more)

Your child's Roth IRA.

Set up in minutes.

IRS-compliant.

Who qualifies
to use Halfmore?

(Age, states, and more)

Trusted by parents.

Backed by experts.

Built to grow with
your child.

Unlock wealth-building for
your child years ahead of
peers

Start at age 5. Just $50 a week.
You could give your child over
$2 million in tax-free growth by
retirement with a custodial Roth IRA.

$2M+

Turn household tasks into financial assets

Halfmore helps convert your child's household tasks into IRS-compliant income, fueling a custodial Roth IRA with decades of tax-free growth.

Benefits beyond retirement

Use the funds for higher education, a first home, or medical expenses - create flexibility with long-term security.

Build financial habits for life

Instill powerful financial learnings of earning, saving, and investing, all through your child's age-appropriate chores.

Halfmore makes it simple to turn your child's household tasks into legitimate, IRS-compliant income.

Turn household tasks into earned income

- From babysitting to mowing the lawn, Halfmore structures household work into compliant, reportable income.

Ensure IRS compliance

- We handle the paperwork - W-2, wage tracking, and employment documentation - to be IRS-compliant and audit-ready.

Contribute to major broker

- Stay in control of your investments by using your Roth IRA provider of choice - Fidelity, Vanguard, Charles Schwab, or others.

Halfmore makes it simple to turn your child's household tasks into legitimate, IRS-compliant income.

Turn household tasks into earned income

- From babysitting to mowing the lawn, Halfmore structures household work into compliant, reportable income.

Ensure IRS compliance

- We handle the paperwork - W-2, wage tracking, and employment documentation - to be IRS-compliant and audit-ready.

Contribute to major broker

- Stay in control of your investments by using your Roth IRA provider of choice - Fidelity, Vanguard, Charles Schwab, or others.

Your child earns income with Halfmore
—funded directly into the industry's best Roth IRA providers.

Made for busy parents
—Set up your child's Roth IRA in 10 minutes

1. Create a compliant employer relationship

Halfmore establishes a bona fide legal employment relationship for your child and sets up all the paperwork.

2. Assign household tasks

You decide and monitor the tasks. We help ensure they meet IRS and child labor laws.

3. We handle the rest

From running payroll and submitting W-2s to routing contributions and even handling tax reporting, we've got you covered.

1. Create a compliant employer relationship

Halfmore establishes a bona fide legal employment relationship for your child and sets up all the paperwork.

2. Assign household tasks

You decide and monitor the tasks. We help ensure they meet IRS and child labor laws.

3. We handle the rest

From running payroll and submitting W-2s to routing contributions and even handling tax reporting, we've got you covered.

Made for busy parents -
Set up your child's Roth
IRA in 10 minutes

1. Create a compliant employer relationship

Halfmore establishes a bona fide legal employment relationship for your child and sets up all the paperwork.

2. Assign household tasks

You decide and monitor the tasks. We help ensure they meet IRS and child labor laws.

3. We handle the rest

From running payroll and submitting W-2s to routing contributions and even handling tax reporting, we've got you covered.

1. Create a compliant employer relationship

Halfmore establishes a bona fide legal employment relationship for your child and sets up all the paperwork.

2. Assign household tasks

You decide and monitor the tasks. We help ensure they meet IRS and child labor laws.

3. We handle the rest

From running payroll and submitting W-2s to routing contributions and even handling tax reporting, we've got you covered.

Here’s what Halfmore users are saying:

- Jeff M.

Clear, thoughtful, and built with families in mind

Jeff

Great easy way to save for children’s Roth IRA

mekakitsune

Simple & effective

jamie

I was initially nervous about opening Roth IRA for my child but this app made the process stress-free and secure! Its super straightforward and provides clear guidance! Couldn’t recommend it more!

The experience with Halfmore has been remarkably easy

DonicaJean

Easiest way to set your kids up to be millionaires

LKalani

Really Well Put Together

SunsetCK

Makes maintaining a custodial Roth IRA easier!

FatFIRESoon

This is a great and intuitive app for dealing with the paperwork associated with setting up a custodial Roth IRA

Clear, thoughtful, and built with families in mind

Jeff

Great easy way to save for children’s Roth IRA

mekakitsune

Simple & effective

jamie

I was initially nervous about opening Roth IRA for my child but this app made the process stress-free and secure! Its super straightforward and provides clear guidance! Couldn’t recommend it more!

The experience with Halfmore has been remarkably easy

DonicaJean

Easiest way to set your kids up to be millionaires

LKalani

Really Well Put Together

SunsetCK

Makes maintaining a custodial Roth IRA easier!

FatFIRESoon

This is a great and intuitive app for dealing with the paperwork associated with setting up a custodial Roth IRA

Simple, transparent pricing designed for all parents

$9.99 / mo

Up to 5 children per family

Establish household employment

Run payroll with automated payments

Report state and federal taxes

Ensure audit-ready documentation

Automate Roth IRA contributions

Track investment growth

Use your preferred brokerage

$9.99 / mo

Up to 5 children per family

Establish household employment

Run payroll with automated payments

Report state and federal taxes

Ensure audit-ready documentation

Automate Roth IRA contributions

Track investment growth

Use your preferred brokerage

* We do not manage your child's Roth IRA or charge fees based on the amount you contribute.

Simple, transparent pricing designed for
all parents

$9.99 / mo

Up to 5 children per family

Establish household employment

Run payroll with automated payments

Report state and federal taxes

Ensure audit-ready documentation

Automate Roth IRA contributions

Track investment growth

Use your preferred brokerage

* We do not manage your child's Roth IRA or charge fees based on the amount you contribute.

Frequently Asked Questions

See more posts

Start early, compound forever,
and give your child the financial head start
they'll thank you for.

Start early,
compound forever,
and give your child
the financial head start
they'll thank you for.

Ask Us Anything: Live Q&A

Join our live Intro + Q&A session to learn the basics of Halfmore and get answers to all your questions.
We are here to support.

Join our live Intro + Q&A session to learn the basics of Halfmore and get answers to all your questions.

We are here to support.

Or contact us directly at support@halfmore.co

Help your child
retire a millionaire

Unlock lifelong wealth through a custodial Roth IRA

•Starting at age: 5

•Contribution: Just $50 a week

•Your child’s expected return: $1.7M in tax-free growth by retirement

(Versus $304k starting at age 25)

Help your child
retire a millionaire

Kickstart your child’s future
with a custodial Roth IRA

Get started in just 10 minutes

* Projections are based on a 8% annual return.

Your child's Roth IRA
made easy

Skip the hours of paperwork and rules.
Enjoy lifelong benefits: tax-free growth, compounding interest, and early access for milestones¹.

At Halfmore, we handle the complex legal, payroll, and tax requirements², so you can focus on what matters most: your child's future.

¹ Roth IRAs can be used for qualified expenses such as higher education, first-time home purchase, or certain medical needs. Restrictions apply.

² Requirements include earned income requirements, contribution timing, tax filings, and payroll setup.

How it works

Halfmore turns your child’s household tasks into
earned income, letting you contribute to their
Roth IRA in minutes.

1. Create a compliant employer relationship

Halfmore establishes a bona fide legal employment relationship for your child and sets up all the paperwork.

2. Assign household tasks

You decide and monitor the tasks. We help ensure they meet IRS and child labor laws.

3. We handle the rest

From running payroll and submitting W-2s to routing contributions and even handling tax reporting, we've got you covered.

1. Create a compliant employer relationship

Halfmore establishes a bona fide legal employment relationship for your child and sets up all the paperwork.

2. Assign household tasks

You decide and monitor the tasks. We help ensure they meet IRS and child labor laws.

3. We handle the rest

From running payroll and submitting W-2s to routing contributions and even handling tax reporting, we've got you covered.

How it works

Halfmore turns your child’s household tasks into earned income, letting you contribute to their Roth IRA in minutes.

1. Create a compliant employer relationship

Halfmore establishes a bona fide legal employment relationship for your child and sets up all the paperwork.

2. Assign household tasks

You decide and monitor the tasks. We help ensure they meet IRS and child labor laws.

3. We handle the rest

From running payroll and submitting W-2s to routing contributions and even handling tax reporting, we've got you covered.

1. Create a compliant employer relationship

Halfmore establishes a bona fide legal employment relationship for your child and sets up all the paperwork.

2. Assign household tasks

You decide and monitor the tasks. We help ensure they meet IRS and child labor laws.

3. We handle the rest

From running payroll and submitting W-2s to routing contributions and even handling tax reporting, we've got you covered.

Get started in minutes

Why parents trust Halfmore

Ensure IRS compliance

We handle the paperwork, including W-2s, wage tracking, employment agreements, and documentation, to ensure IRS compliance and audit readiness.

Keep your broker

Stay in control of your investments by using your Roth IRA provider of choice.

Save time and money

Get started for just $9.99 / month - save thousands of dollars and countless hours in legal, accounting, and tax admin.

Backed by financial experts.

“A Roth IRA is one of the smartest ways to build long-term wealth especially when you start early. Halfmore removes the complexity and makes it accessible for every family.”

Doug Radtke, CPA

Thousands of parents build wealth with Halfmore

- Jeff M.

Clear, thoughtful, and built with families in mind

Jeff

Great easy way to save for children’s Roth IRA

mekakitsune

Simple & effective

jamie

I was initially nervous about opening Roth IRA for my child but this app made the process stress-free and secure! Its super straightforward and provides clear guidance! Couldn’t recommend it more!

The experience with Halfmore has been remarkably easy

DonicaJean

Easiest way to set your kids up to be millionaires

LKalani

Really Well Put Together

SunsetCK

Makes maintaining a custodial Roth IRA easier!

FatFIRESoon

This is a great and intuitive app for dealing with the paperwork associated with setting up a custodial Roth IRA

Clear, thoughtful, and built with families in mind

Jeff

Great easy way to save for children’s Roth IRA

mekakitsune

Simple & effective

jamie

I was initially nervous about opening Roth IRA for my child but this app made the process stress-free and secure! Its super straightforward and provides clear guidance! Couldn’t recommend it more!

The experience with Halfmore has been remarkably easy

DonicaJean

Easiest way to set your kids up to be millionaires

LKalani

Really Well Put Together

SunsetCK

Makes maintaining a custodial Roth IRA easier!

FatFIRESoon

This is a great and intuitive app for dealing with the paperwork associated with setting up a custodial Roth IRA

Simple, transparent pricing designed for all parents

$9.99 / mo

Up to 5 children per family

Establish household employment

Run payroll with automated payments

Report state and federal taxes

Ensure audit-ready documentation

Automate Roth IRA contributions

Track investment growth

Use your preferred brokerage

$9.99 / mo

Up to 5 children per family

Establish household employment

Run payroll with automated payments

Report state and federal taxes

Ensure audit-ready documentation

Automate Roth IRA contributions

Track investment growth

Use your preferred brokerage

* We do not manage your child's Roth IRA or charge fees based on the amount you contribute.

Simple, transparent pricing designed for
all parents

$9.99 / mo

Up to 5 children per family

Establish household employment

Run payroll with automated payments

Report state and federal taxes

Ensure audit-ready documentation

Automate Roth IRA contributions

Track investment growth

Use your preferred brokerage

* We do not manage your child's Roth IRA or charge fees based on the amount you contribute.

Frequently Asked Questions

Ask Us Anything: Live Q&A

Join our live Intro + Q&A session to learn the basics of Halfmore and get answers to all your questions.
We are here to support.

Join our live Intro + Q&A session to learn the basics of Halfmore and get answers to all your questions.

We are here to support.

Or contact us directly at support@halfmore.co