Get a 3% custodial Roth IRA Match.
The most powerful early investment tool that grows tax-free.
Built by Stanford, Yale Law School, and Teach For America alumni,
committed to empowering every child’s financial future
Made for busy parents:
Halfmore establishes a bona fide employment relationship for your child.
Why parents trust Halfmore
Halfmore parents are building an average $1.6M retirement fund for their children
through our trusted and fully compliant platform.
Why parents trust Halfmore
Halfmore parents are building an average $1.6M retirement fund for their children through our trusted and fully compliant platform.
Great Easy Way to Save For Children’s Roth IRA 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 ridden gem
mekakitsune
Really Well Put Together. Love this app for taking care of the headaches with paperwork, record keeping and payroll for kids Roth IRA. App seems pretty new, so I hope everything is in legal order for the developer, and its service checks all the boxes!
Marcus Eaddy
Super helpful! Found this app last month and wanted to share my experience. Ran it by my financial advisor who gave it a thumbs up! It’s been helpful for starting my son’s Roth IRA and is super easy to use.
TomKJ21
Simple & effective! 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!
jamie_was_here
Great Easy Way to Save For Children’s Roth IRA 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 ridden gem
mekakitsune
Really Well Put Together. Love this app for taking care of the headaches with paperwork, record keeping and payroll for kids Roth IRA. App seems pretty new, so I hope everything is in legal order for the developer, and its service checks all the boxes!
Marcus Eaddy
Super helpful! Found this app last month and wanted to share my experience. Ran it by my financial advisor who gave it a thumbs up! It’s been helpful for starting my son’s Roth IRA and is super easy to use.
TomKJ21
Simple & effective! 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!
jamie_was_here
Great Easy Way to Save For Children’s Roth IRA 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 ridden gem
mekakitsune
Really Well Put Together. Love this app for taking care of the headaches with paperwork, record keeping and payroll for kids Roth IRA. App seems pretty new, so I hope everything is in legal order for the developer, and its service checks all the boxes!
Marcus Eaddy
Super helpful! Found this app last month and wanted to share my experience. Ran it by my financial advisor who gave it a thumbs up! It’s been helpful for starting my son’s Roth IRA and is super easy to use.
TomKJ21
Simple & effective! 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!
jamie_was_here
Makes maintaining a custodial Roth IRA easier! This is a great and intuitive app for dealing with the paperwork associated with setting up a custodial Roth IRA
FatFIRESoon
Finally, a way to open a Roth IRA for my kids without owning a business! The process was incredibly smooth, and their team walked me through every step. Highly recommend for any parent wanting to start their child's financial journey.
BobbyTheM
Set up three accounts for my kids in under 20 minutes. Everything is automated and seamless. Wish this existed when I was young!
John_Y76
Not only does it help create income for children to start Roth IRA, it also teaches children the invaluable lessons or earning and investing.
SolarPulseX
Makes maintaining a custodial Roth IRA easier! This is a great and intuitive app for dealing with the paperwork associated with setting up a custodial Roth IRA
FatFIRESoon
Finally, a way to open a Roth IRA for my kids without owning a business! The process was incredibly smooth, and their team walked me through every step. Highly recommend for any parent wanting to start their child's financial journey.
BobbyTheM
Set up three accounts for my kids in under 20 minutes. Everything is automated and seamless. Wish this existed when I was young!
John_Y76
Not only does it help create income for children to start Roth IRA, it also teaches children the invaluable lessons or earning and investing.
SolarPulseX
Makes maintaining a custodial Roth IRA easier! This is a great and intuitive app for dealing with the paperwork associated with setting up a custodial Roth IRA
FatFIRESoon
Finally, a way to open a Roth IRA for my kids without owning a business! The process was incredibly smooth, and their team walked me through every step. Highly recommend for any parent wanting to start their child's financial journey.
BobbyTheM
Set up three accounts for my kids in under 20 minutes. Everything is automated and seamless. Wish this existed when I was young!
John_Y76
Not only does it help create income for children to start Roth IRA, it also teaches children the invaluable lessons or earning and investing.
SolarPulseX
My CPA recommended this app, and I'm so glad she did. She says it's the most compliant and innovative way to set up a custodial Roth IRA. The built-in documentation and tracking make tax season a breeze.
AJ_paloalto
Beautiful, intuitive design that makes complex financial concepts simple. The graphs and visualizations are perfect for me to understand.
twiinkeee
Game-changer for families! We're not business owners, so this is perfect for us to legally help our kids start their retirement savings. The built-in compliance checks give us total peace of mind.
mscwrd02
Been using this for a couple of months. The automatic task tracking and documentation save me hours each month.
luckymethod
My CPA recommended this app, and I'm so glad she did. She says it's the most compliant and innovative way to set up a custodial Roth IRA. The built-in documentation and tracking make tax season a breeze.
AJ_paloalto
Beautiful, intuitive design that makes complex financial concepts simple. The graphs and visualizations are perfect for me to understand.
twiinkeee
Game-changer for families! We're not business owners, so this is perfect for us to legally help our kids start their retirement savings. The built-in compliance checks give us total peace of mind.
mscwrd02
Been using this for a couple of months. The automatic task tracking and documentation save me hours each month.
luckymethod
My CPA recommended this app, and I'm so glad she did. She says it's the most compliant and innovative way to set up a custodial Roth IRA. The built-in documentation and tracking make tax season a breeze.
AJ_paloalto
Beautiful, intuitive design that makes complex financial concepts simple. The graphs and visualizations are perfect for me to understand.
twiinkeee
Game-changer for families! We're not business owners, so this is perfect for us to legally help our kids start their retirement savings. The built-in compliance checks give us total peace of mind.
mscwrd02
Been using this for a couple of months. The automatic task tracking and documentation save me hours each month.
luckymethod
Super helpful! Found this app last month and wanted to share my experience. Ran it by my financial advisor who gave it a thumbs up! It’s been helpful for starting my son’s Roth IRA and is super easy to use.
TomKJ21
Simple & effective! 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!
jamie_was_here
Makes maintaining a custodial Roth IRA easier! This is a great and intuitive app for dealing with the paperwork associated with setting up a custodial Roth IRA
FatFIRESoon
Finally, a way to open a Roth IRA for my kids without owning a business! The process was incredibly smooth, and their team walked me through every step. Highly recommend for any parent wanting to start their child's financial journey.
BobbyTheM
Super helpful! Found this app last month and wanted to share my experience. Ran it by my financial advisor who gave it a thumbs up! It’s been helpful for starting my son’s Roth IRA and is super easy to use.
TomKJ21
Simple & effective! 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!
jamie_was_here
Makes maintaining a custodial Roth IRA easier! This is a great and intuitive app for dealing with the paperwork associated with setting up a custodial Roth IRA
FatFIRESoon
Finally, a way to open a Roth IRA for my kids without owning a business! The process was incredibly smooth, and their team walked me through every step. Highly recommend for any parent wanting to start their child's financial journey.
BobbyTheM
Super helpful! Found this app last month and wanted to share my experience. Ran it by my financial advisor who gave it a thumbs up! It’s been helpful for starting my son’s Roth IRA and is super easy to use.
TomKJ21
Simple & effective! 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!
jamie_was_here
Makes maintaining a custodial Roth IRA easier! This is a great and intuitive app for dealing with the paperwork associated with setting up a custodial Roth IRA
FatFIRESoon
Finally, a way to open a Roth IRA for my kids without owning a business! The process was incredibly smooth, and their team walked me through every step. Highly recommend for any parent wanting to start their child's financial journey.
BobbyTheM
Set up three accounts for my kids in under 20 minutes. Everything is automated and seamless. Wish this existed when I was young!
John_Y76
Not only does it help create income for children to start Roth IRA, it also teaches children the invaluable lessons or earning and investing.
SolarPulseX
My CPA recommended this app, and I'm so glad she did. She says it's the most compliant and innovative way to set up a custodial Roth IRA. The built-in documentation and tracking make tax season a breeze.
AJ_paloalto
Beautiful, intuitive design that makes complex financial concepts simple. The graphs and visualizations are perfect for me to understand.
twiinkeee
Set up three accounts for my kids in under 20 minutes. Everything is automated and seamless. Wish this existed when I was young!
John_Y76
Not only does it help create income for children to start Roth IRA, it also teaches children the invaluable lessons or earning and investing.
SolarPulseX
My CPA recommended this app, and I'm so glad she did. She says it's the most compliant and innovative way to set up a custodial Roth IRA. The built-in documentation and tracking make tax season a breeze.
AJ_paloalto
Beautiful, intuitive design that makes complex financial concepts simple. The graphs and visualizations are perfect for me to understand.
twiinkeee
Set up three accounts for my kids in under 20 minutes. Everything is automated and seamless. Wish this existed when I was young!
John_Y76
Not only does it help create income for children to start Roth IRA, it also teaches children the invaluable lessons or earning and investing.
SolarPulseX
My CPA recommended this app, and I'm so glad she did. She says it's the most compliant and innovative way to set up a custodial Roth IRA. The built-in documentation and tracking make tax season a breeze.
AJ_paloalto
Beautiful, intuitive design that makes complex financial concepts simple. The graphs and visualizations are perfect for me to understand.
twiinkeee
It’s a tax-free retirement account parents manage to help their child build wealth for future.
Starting early maximizes the power of tax-free compound interest– Warren Buffett’s favorite wealth building tool.
While there is no age restriction, your child needs to have earned income to start a custodial Roth IRA.
Minor children of any age can earn income by completing age-appropriate household tasks.
Yes, it’s fully legal when structured correctly and documented as bona fide household employment.
Halfmore handles it all—legal setup, payroll, documentation, and tax reporting!
Parents choose Halfmore because we've made premium financial strategies—once available only to wealthy
business owners—accessible to ALL American families through a simple, automated platform at an affordable cost.
All included:
20-minute set up,
$15.99/mo
Need help? Schedule an one-on-one onboarding call with us today!
Email us directly at support@halfmore.co
Trusted by parents.
Backed by experts.
Built to grow with your child.
Converting household tasks into financial assets
Halfmore gives parents a framework to convert their child's household tasks into IRS-compliant income. This establishes a custodial Roth IRA with decades of tax-free growth.
Teaching kids life long money management behaviors
Halfmore helps parents teach kids powerful financial habits through doing - establishing patterns of earning, investing, and growing.
Unlocking early wealth-building for your child
Start at age 5. Just $50 a week.
You could give your child over $2 million in tax-free growth by retirement. That's the power of a custodial Roth IRA.
Flexible Withdrawals: Benefits beyond retirement
Create both immediate flexibility with long and long term security.
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.
The head start Halfmore
parents are creating today:
Just by starting early,
Halfmore parents are on track to secure nearly 6x in projected returns.
Made for busy parents -
Set up your child's Roth
IRA in 15 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.
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
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
Simple, transparent pricing designed for
all parents
$9.99 / mo
Up to 5 children per family
* We do not manage your child's Roth IRA or charge fees based on the amount you contribute.
Frequently Asked Questions
Follow us on
Instagram @halfmore.co
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.
Customer Support Center
Schedule a one-on-one onboarding call with our team. We're here to assist you every step of the way.
Or contact us directly at support@halfmore.co
Halfmore, Inc. is a financial technology company, not a bank or investment advisor. Halfmore does not provide tax, legal, or investment advice. We do not serve in a fiduciary capacity, nor do we act as a broker-dealer or investment advisor. We expressly disclaim the provision of any fiduciary, broker-dealer, or investment advisory services, endorsements, recommendations, or advice. For tax, legal, or investment advice, please consult your own tax attorney or financial professional.
© 2025 Halfmore, Inc. All rights reserved.
135 Seale Ave, Palo Alto, CA, 94301
Halfmore, Inc. is a financial technology company, not a bank or investment advisor. Halfmore does not provide tax, legal, or investment advice. We do not serve in a fiduciary capacity, nor do we act as a broker-dealer or investment advisor. We expressly disclaim the provision of any fiduciary, broker-dealer, or investment advisory services, endorsements, recommendations, or advice. For tax, legal, or investment advice, please consult your own tax attorney or financial professional.
© 2025 Halfmore, Inc. All rights reserved.
135 Seale Ave, Palo Alto, CA, 94301
