Disclaimer

Not tax, legal, or financial advice

All calculators and content on this site are for general informational and educational purposes only and do not constitute tax, legal, or financial advice. Results are estimates based on 2026 federal tax rules and may not reflect your actual liability. Consult a qualified tax professional (CPA, EA, or tax attorney) for advice on your specific situation.

The Child Savings Simulator additionally does not provide investment advice. Growth projections use an assumed rate of return that you control; it is an assumption, not a prediction, and actual market returns will differ. Past performance does not guarantee future results.

No professional-client relationship

Use of this site does not create a professional-client relationship. We are not a CPA firm, law firm, or tax preparation service, and we do not prepare or file tax returns. Nothing on this site is a substitute for personalized advice from a qualified professional who knows your circumstances.

Accuracy and updates

Figures on this site are drawn from IRS primary sources (forms, instructions, and official announcements) and are recorded in a dataset with the source and verification date for each number. The current dataset is for tax year 2026, last updated Jul 28, 2026. Where the IRS has not yet published an official figure, we clearly flag the number as derived from the statute. Tax law changes; we update the dataset when the IRS publishes new guidance, but we cannot guarantee the site is error-free or current at all times. We accept no liability for decisions made based on this information.

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