Simple, transparent pricing

We've got a plan for every family — with simple, transparent pricing, no matter how much you save.

One kid

$2.99

/month

Perfect for families with one kid. Includes a $1,000 boost and no contribution fees.

Your boost  

$1,000

🚀

Get started

What's included?  

  

One Backer fund

  

Top-rated 529 plan

  

8%+ projected growth

  

Tax-free investment returns

  

Automated contributions

  

Easy-to-share fund link

  

No contribution fees

  

Free gifting

  

Priority customer support

  

+$1,000 savings advance

Multiple kids

$5.99

/month

Great for bigger families with up to 5 kids. Includes a $1,000 boost for each kid and no contribution fees.

Your boost  

$1,000

🚀

Get started

What's included?  

  

Up to five Backer funds

  

Top-rated 529 plan

  

8%+ projected growth

  

Tax-free investment returns

  

Automated contributions

  

Easy-to-share fund link

  

No contribution fees

  

Free gifting

  

Priority customer support

  

+$1,000 savings advance for each kid

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Want to see how much you can save? Play with our savings calculator. 👇

Savings calculator

Play with the numbers to watch your projected savings stack up.

Your monthly savings goal

$50

Annual contributions from family and friends

$750

Your kid's age

Your boost 

Your contributions

$11,800

Family & friends

$13,500

Investment gains

$32,910

Your projected savings in 18 years

$58,210

$58,210

Your projected savings
in 18 years

Your contributions

$11,800

Family & friends

$13,500

Investment gains

$32,910

$58,210

Your projected savings
in 18 years

We want to make sure your money is going where it really matters: your kid's education fund.

That's why you'll only ever pay a simple, transparent fee — no matter how much you save.

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Every Backer plan includes:

  

Tax-free investing

A gold-rated 529 plan

Grow your savings tax-free with projected growth of 8% per year

Easy setup

Set up your 529 in 5 minutes - no expensive financial advisor

Curated investment plans

We'll suggest a plan that matches your goals and saving style

  

Save together

Free gifting

Family and friends can add money to your fund at no additional charge

Easy-to-share fund link

Create a customized fund page that will inspire your backers

Milestone reminders

Send your backers reminders of special days through the year

  

Easy to save

Automated saving

Set up automated monthly contributions or add funds any time

A savings app

Manage your funds at backer.com or with our iOS and Android apps

Fund dashboard

Track your fund's growth and see your projected savings

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Security you can trust

When you're saving for the future, you need to know that your money is safe. Your fund's security is our top priority.


Have questions about it? Contact us.

SEC-registered

As an SEC-registered investment adviser, it's our duty to safeguard your money and personal information.

Serious security

We use the strongest available browser encryption and secure servers monitored 24/7/365.

State-sponsored

Your 529 investments are managed in a government-sponsored account that you can access at any time.

Give a great kid a better future

5% of your Backer membership fee goes towards helping a family in need send their kid to college.

Learn more
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See why families love saving with Backer

Backer families save more when they save together.

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We really needed to start saving for our baby. I love that family members can make contributions. Instead of giving the baby gifts or monetary gifts they can just make a contribution towards their college fund. It makes me feel comfortable knowing we are saving for his future.

@andrea_mrllotiktok logo
Have questions? We have answers.

Why should I use Backer?

Backer is the easiest way to save for college with help from family and friends. We'll help you invest your savings tax-free with a 529 Savings Plan, a government-sponsored account that works like a retirement account for your kid's education. All the experts agree: a 529 plan is the smart way to avoid future student debt.


With Backer, it's quick and easy to involve family and friends. These “backers” can contribute to your kid's education fund and stay involved as your child gets closer to college. Our most active customers save 4x more by building a team of backers for their kids.

How exactly does boosting my fund work?

Yout'll be able to boost your fund by $1,000. We'll invest that amount for you upfront. You'll be able to see the boost and track its growth in your fund dashboard.


Your monthly contributions will pay back the boost — so technically yout'll contribute the same amount — but a larger upfront investment could grow a lot more thanks to the power of compound growth.


Yout'll want to aim to pay off your boost within a year, so choose a monthly contribution that will get you there. And you can always add additional contributions to pay it off sooner.


It's not a loan, and you're not locked in if you change your mind about how much you can contribute each month. It's just our way of helping you get a jump on the process and maximize your returns early on.

What are backers and how do I invite them?

Anyone who wants to help you save can join your fund as a backer. We see lots of grandparents, uncles/aunts, and even family friends or the child's mentors at school and through other activities.


Yout'll be able to send them an invitation or share your fund link directly with anyone who wants to help you save.

What if I decide Backer is not for me?

We'll be sad to lose you, but you'll be able to keep the 529 plan we helped you open or we'll help you roll it over to another provider. If you leave Backer, you will lose the ability to access and manage your 529 plan via our website and mobile apps, as well as the fund page where your backers can help you save, your Backer contribution history, and all of our other features. We'll welcome any feedback you have for how we can improve and will always welcome you back if you change your mind.

faq

Have more questions? Get in touch.

Give Backer a try

Get a head start on college costs for a kid you love by saving together, tax-free.

Try it out
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