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Set your Child up

for a $5M retirement

Turn pocket money into custodial Roth IRA contributions for your child's retirement

Stanford_logoYale_Law_logoTeach_For_America_logo

Built by Stanford, Yale Law School,
and Teach For America alumni,
Halfmore is committed to empowering
every child’s financial future

Hire your child

Hire your child

Assign household tasks

Assign household tasks

Document work history

Document work history

Pay salary to your child

Pay salary to your child

Transfer payroll to Roth IRA

Transfer payroll to Roth IRA

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.

testimonials

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

Frequently asked questions:

faq

1. What is custodial Roth IRA?

It’s a tax-free retirement account parents manage to help their child build wealth for future.

faq

2. Why is it important to start early?

Starting early maximizes the power of tax-free compound interest– Warren Buffett’s favorite wealth building tool.

faq

3. What are the requirements to start?

While there is no age restriction, your child needs to have earned income to start a custodial Roth IRA.

faq

4. How can my child earn income?

Minor children of any age can earn income by completing age-appropriate household tasks.

faq

5. Is it legal to hire my child?

Yes, it’s fully legal when structured correctly and documented as bona fide household employment.

faq

6. How does Halfmore help me start?

Halfmore handles it all—legal setup, payroll, documentation, and tax reporting!

How to get started with Halfmore

Ready to build wealth for your child?
Follow these simple steps:

Step 1.

Download the app and
sign up for 1-month free trial
in just a few minutes!

Step 2.

Assign household tasks to help your child earn income.

Step 3.

Start a custodial Roth IRA
through trusted partners:
Fidelity & Charles Schwab.

Step 4.

Watch your child's Roth IRA
grow tax-free as
we handle the rest.

* Halfmore enables parents to open custodial Roth IRAs with trusted firms such as Fidelity and Charles Schwab.

Halfmore does not hold or manage customer funds.

Need help?
Schedule an one-on-one onboarding call with us today!

Email us directly at support@halfmore.co

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Where your child's financial journey begins.
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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