Give your child a
debt-free future

Build a team of backers for your child, invest your savings tax-free, and stay on track toward your goals

How it works

  • Instantly start a college fund

    Start a 529 plan to invest your savings
    tax-free. If you already have a 529 plan,
    connect it to Backer.

  • Build Your Backer team

    Customize your child's gifting page and
    invite family and friends to contribute.

  • Earn cashback rewards

    Shop at name-brand partners to earn
    cashback for your child’s college fund.

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Invest tax-free with
a 529 plan

Get ahead of college costs

There's a powerful tool called a 529 Savings Plan, which lets you invest tax-free and use the funds toward the cost of college, K-12 education, apprenticeships, and more. Backer is your personal education savings coach, helping you navigate a complex landscape and get the most out of your 529 plan.

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The power of
backers

Let the people who care about your child help them succeed.

40% of the money we’ve helped our families save has come from family and friends – 30x higher than the industry average. Backers can give on holidays, birthdays, or even every month.

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How does a 529 plan work?

Like a retirement account for your child’s education, a 529 Savings Plan lets you save more by investing tax-free.

  • Tax-free investing

    Contributions to a 529 plan grow
    tax-free and can be withdrawn tax-free
    to pay for education.

  • Flexible and versatile

    529s can be used for higher education,
    K-12, apprenticeships, and student loans.
    And you can transfer within the family.

  • Better for financial aid

    Unlike UGMA/UTMA, a 529 plan will have
    a minimal impact on your child’s financial
    aid eligibility.

  • Tax-free investing

    Contributions to a 529 plan grow
    tax-free and can be withdrawn tax-free
    to pay for education.

  • Flexible and versatile

    529s can be used for higher education,
    K-12, apprenticeships, and student loans.
    And you can transfer within the family.

  • Better for financial aid

    Unlike UGMA/UTMA, a 529 plan will have
    a minimal impact on your child’s financial
    aid eligibility.

family of four smiling

Security you can
bank on

We use cutting-edge encryption and security practices to safeguard your personal information.

  • Industry-leading 256-bit encryption
  • Secure servers with 24/7/365 monitoring
  • We only collect the data we need and never share it

A few words from
our families

  • "We love Backer! We started using Backer when Hazel was born. It's been the easiest way to save for college and allows our family and friends to contribute. Instead of physical gifts that we don't need nor have the space for, the money deposited into Hazel's account can grow and will be ready for her when she is ready to attend college. This is all done with a simple link. Saving for college has never been easier."

    David and Steph

  • "Education is incredibly important to us and our future children. Backer has made it easy to put saving with a 529 plan on autopilot so we can take advantage of time, compound interest, and tax free growth - especially as education costs continue rising. We also love how easy they've made it for friends and family to contribute. We haven't started our family yet, but are glad we found Backer and could get started on saving now."

    Tristan and Lauren

  • "Backer has been such a good experience for us. We've loved knowing that we are preparing for our children's futures and to be able to do so in such a user friendly and accessible way. It's a welcome reprieve from the standard of cryptic and complicated investing websites."

    Johnny and Iz

  • "We were looking for a simple, modern way to manage a 529 plan for our son where our friends and family could also contribute in the future, and Backer fit the bill. We were able to create a fund for him before he was born and friends were able to give him a good foundation at his baby shower. Backer made the process simple and their customer service is top notch. We look forward to seeing our son's educational opportunities grow with Backer's support!"

    Kayla and Ankur

Have more questions?

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